Berita Harian Malaysia

Tag: #bankislam

  • MENINGKAT 7.9% KE RM 394.8 JUTA UNTUNG BERSIH SUKU KETIGA BANK ISLAM

    KUALA LUMPUR, Selasa, [28 November 2023]: Keuntungan bersih sebanyak RM394.8 juta Bank Islam Malaysia Berhad (Bank Islam atau Kumpulan ) bagi tempoh sembilan bulan berakhir 30 September 2020 (9M2023), meningkat 7.9% berbanding tempoh masa pada tahun 2022. Bank Islam mendapat keuntungan yang bersih sejak akhir ini. Hal ini dapat memberi impak yang baik dalam perniagaan Bank Islam.

     

    Perolehan Kumpulan bagi tempoh tersebut meningkat 33.0% kepada RM3.36 bilion (RM3,362.6 juta) berbanding RM2.53 bilion (RM2,529.1 juta) pada tahun lalu, dipacu oleh pertumbuhan pembiayaan sihat dan pendapatan bersih. Pencapaian yang lebih baik ini turut didorong oleh pendapatan bukan berasaskan dana yang lebih tinggi, mengukuh sebanyak RM144.5 juta atau 95.6% disebabkan oleh pendapatan pelaburan lebih tinggi dan laba bersih daripada transaksi tukaran mata wang asing. Pendapatan berasaskan dana bersih turut meningkat, disumbangkan oleh pertumbuhan pembiayaan kasar y-o-y dan peningkatan margin pendapatan bersih (NIM). NIM terus meningkat secara konsisten daripada 2.06% pada suku pertama 2023 kepada 2.11% pada suku kedua 2023 dan terus mengukuh kepada 2.17% pada suku ketiga 2023.

     

    Pencapaian ini diterjemahkan kepada pendapatan sesaham 17.58 sen dan pulangan ekuiti bersih tahunan sebanyak 7.7%. Bagi 9M2023, Lembaga Pengarah mengisytiharkan dividen tunai interim satu peringkat RM285.4 juta atau 12.59 sen sesaham biasa.

     

    Jumlah Aset Kumpulan meningkat sebanyak 2.2% y-o-y untuk berada pada RM88.1 bilion setakat 30 September 2023, didorong oleh pertumbuhan pembiayaan dan pelaburan sekuriti.

     

    Pembiayaan Kasar meningkat sebanyak 8.4% y-o-y kepada RM67.3 bilion, manakala akaun deposit dan pelaburan pelanggan berada pada RM73.9 bilion dengan mencatatkan peningkatan y-o-y RM1.7 bilion atau 2.3%. Sebahagian besar pertumbuhan ini didorong pengukuhan y-o-y 9.5% atau RM2.5 bilion dalam jumlah akaun semasa, simpanan dan pelaburan transaksi (CASATIA) untuk berada pada RM28.5 bilion. Komposisi ini menunjukkan aras sihat 38.5% jumlah akaun deposit dan pelaburan pelanggan. Nisbah Jumlah Modal Kumpulan kekal kukuh pada 20.0%.

     

    Kumpulan mengekalkan kedudukan modal dan kecairan yang teguh, seterusnya mencerminkan momentum pertumbuhan dan asas Bank Islam yang jitu. Setakat 30 September 2023, nisbah pembiayaan terjejas kasar telah meningkat 0.97% berbanding 1.27% pada akhir Disember 2022. Angka ini kekal lebih baik berbanding purata industri pada 1.72%.

     

    Bagi mengukuhkan prestasi kewangan serta daya tahannya, Bank Islam mengutamakan pelaksanaan strategi untuk memelihara NIM dalam landskap industri yang kompetitif. Selain itu, ia terus memperhalusi penyelesaian kewangannya agar seiring dengan pendekatan bertumpukan pelanggan.

    Sebagai maklum balas pada perubahan pilihan perbankan dalam pasaran, Bank Islam terus komited dalam menyediakan penyelesaian patuh Syariah termaju, selaras dengan gaya hidup moden. Kumpulan terus menambah baik dan memperluas perkhidmatan dan tawaran perbankan digitalnya.

     

    Pengenalan Kad Debit-i Visa Be U by Bank Islam pada September 2023 mempamerkan dedikasi Kumpulan dalam memenuhi permintaan semasa pasaran serta menyediakan pengalaman perbankan tanpa cawangan yang cekap. Kad debit tersebut memperkasakan pengguna dan memudahkan pemantauan kewangan menerusi penjejak perbelanjaan yang tersedia dalam aplikasi perbankan digital Be U by Bank Islam. Fungsi ini menjadikan pengguna lebih peka serta memahami tabiat perbelanjaan masing-masing, seterusnya membolehkan mereka merancang dan mencapai matlamat kewangan yang ditetapkan secara strategik. Pendekatan ini seterusnya akan memacu gaya hidup Syariah yang menekankan perbelanjaan secara berhemat.

     

    Kewangan mampan terus menjadi teras dalam strategi Kumpulan untuk mempelbagaikan aliran pendapatan serta selaras dengan matlamat pembangunan domestik. Bank Islam akan terus menilai profil pelanggan secara rapi dan memelihara kualiti aset. Sejajar dengan usaha kawal selia dalam membina sistem perbankan yang berdaya tahan, Bank Islam secara proaktif menerapkan penilaian risiko Alam Sekitar, Sosial dan Tadbir Urus (ESG) dalam pertimbangan pemohonan pembiayaan baharu, sekali gus menyumbang kepada pembentukan ekosistem kewangan yang kukuh dan mampan.

     

    Pandangan

    Berdasarkan Buletin Suku Tahunan bagi Suku Ketiga 2023 terbitan Bank Negara Malaysia (BNM) pada 17 November lalu, ekonomi negara berkembang sebanyak 3.3% pada suku ketiga 2023 (2Q2023: 2.9%). Pertumbuhan ini didorong oleh permintaan domestik yang berdaya tahan, manakala perbelanjaan isi rumah kekal menyumbang kepada peningkatan berterusan pertumbuhan pekerjaan dan upah.

     

    Pada masa ini, Bank Islam mengekalkan sasaran pertumbuhan Keluaran Dalam Negara Kasar (KDNK) 3.7%, bagi tahun penuh 2023, penurunan kecil berbanding ramalan rasmi kira-kira 4.0%. Memandangkan kitaran industri semikonduktor global semakin perlahan dan terdapat peningkatan berterusan dalam ketibaan pelancong asing, Kumpulan menjangkakan Malaysia akan meneruskan momentum pertumbuhannya pada suku keempat 2023 dan tahun akan datang. Ini seterusnya akan menyokong pertumbuhan mampan Bank Islam pada tahun 2024.

     

    Mengenai Bank Islam Malaysia Berhad (No. Pendaftaran Syarikat [198301002944(98127-X)]

    Bank Islam adalah institusi perbankan Islam pertama di Malaysia yang disenaraikan di Papan Utama, Bursa Malaysia Berhad. Ditubuhkan pada bulan Julai 1983 sebagai institusi perbankan Islam pertama di Malaysia, Bank Islam mempunyai 135 cawangan dan lebih daripada 900 terminal layan diri di seluruh negara. Sebagai institusi perbankan Islam lengkap dan tulen, Bank Islam menyediakan penyelesaian perbankan dan kewangan yang mematuhi undang-undang dan prinsip Syariah dengan ketat serta komited terhadap hasrat kemakmuran lestari dan nilai-nilai ESG. Anak syarikat utama Kumpulan Bank Islam adalah perintis dalam pelbagai perkhidmatan kewangan Islam, termasuk pelaburan dan pembrokeran saham, iaitu BIMB Investment Management Berhad dan BIMB Securities Sdn Bhd. Untuk maklumat lebih lanjut mengenai produk dan perkhidmatan kumpulan Bank Islam, layari www.bankislam.com. Untuk maklumat lanjut, sila emel ke: media@bankislam.com.my

  • RM400 MILLION SUKUK MURABAHAH: BANK ISLAM’S FIFTH TRANCHE SIGNALS FINANCIAL PROGRESS.

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    Having a total value of RM400.0 million, Bank Islam Malaysia Berhad (Bank Islam) has effectively issued the fifth tranche of Subordinated Sukuk Murabahah under its established RM10.0 billion Sukuk Murabahah Programme.

    The Sukuk Murabahah shall qualify as Tier 2 regulatory capital of Bank Islam in compliance with Bank Negara Malaysia’s Capital Adequacy Framework for Islamic Banks (Capital Components). Hence, it will enhance the capital adequacy of Bank Islam in line with the Basel III requirements.

    The Sukuk Murabahah, which will be redeemed at its full nominal value upon maturity, comes with a call option on its fifth anniversary and is rated A1/stable by RAM Rating Services Berhad.

    Bank Islam is the principal adviser, lead arranger, lead manager, and Shariah adviser for the Sukuk Murabahah program.

  • BANK ISLAM’S BOLD MOVE: PARTNERING WITH QWORK TO BOOST THE GIG ECONOMY.

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    This strategic alliance between Bank Islam and Qwork is a testament to their shared vision of driving economic empowerment and financial accessibility. By leveraging Qwork’s community-driven platform, businesses can tap into a rich talent pool of skilled freelancers, while gig economy workers gain increased access to financial services, ultimately creating a mutually beneficial ecosystem for all stakeholders involved.

    With this partnership, Bank Islam aims to tap into Qwork’s extensive pool of gig workers via its intuitive platform to provide flexible financial solutions tailored to the needs of freelancers. By leveraging Qwork’s diverse talent network, Bank Islam aims to address the growing workforce segment’s economic challenges and offer them access to Shariah-compliant banking products and services.

    Bank Islam can promote Qwork’s advertised jobs within its Be U By Bank Islam app, which is 100% digital. Aside from accessing banking services, customers can use the ‘Gig Marketplace’ feature within the app to find income opportunities provided by Qwork. The effort aligns with Be U’s endeavors to respond to the needs of young adults who seek to earn spare cash through short-term jobs.

    Bank Islam Group Chief Digital Officer, Noor Farilla Abdullah, expressed her enthusiasm about the partnership. She stated, “We are delighted to collaborate with Qwork in our ongoing efforts to bolster the overall Be U app. Incorporating this use case into the app will empower users to handle their finances and earn a living. With everything on a single platform, users can easily track and manage their finances and access tailored solutions that cater to freelancers. This partnership aligns perfectly with our commitment to serving the needs of underserved communities and promoting equitable financial practices.”

    Earlier in September 2023, Be U by Bank Islam launched its debit card that is 100% issued, delivered, and managed through the app. Apart from providing convenient payment services, the Be U by Bank Islam app continues to release customer-centric solutions designed for the younger generation and freelancers. Bank Islam plans to introduce flexible financing options, digital payment solutions, and financial planning services in the Be U app.

    By understanding the unique needs and challenges of the freelance community, the bank aims to provide them with the support and tools necessary to thrive in today’s dynamic economy.

    Qwork’s CEO, Muna Munirah, highlighted the importance of the partnership, stating, “We are thrilled to partner with Bank Islam to empower freelancers and provide them with access to Islamic banking products and services. This collaboration aims to democratize benefits with the likes of working for an MNC for gig workers, a.k.a. freelancers on Qwork.”

    Bank Islam and Qwork are confident that this partnership will significantly impact the freelance community, fostering financial stability and unlocking new growth opportunities. By combining their expertise and resources, both organizations are committed to creating an ecosystem that supports the financial aspirations of freelancers, ultimately contributing to the growth and development of the Malaysian economy.

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  • BANK ISLAM GOT ISO 37001 ANTI-BRIBERY MANAGEMENT SYSTEM CERTIFICATION BECOMING THE FIRST FULL-FLEDGED ISLAMIC FINANCIAL INSTITUTION.

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    The first fully-fledged Islamic financial institution in Malaysia to receive this prestigious accreditation is Bank Islam Malaysia Berhad (Bank Islam or the Bank), which has received the ISO 37001 Anti-Bribery Management System (ABMS) certification from ABAC Center of Excellence Sdn Bhd (ABAC).

    Bank Islam’s Chairman, Tan Sri Dr. Ismail Bakar, received the accreditation at the certification ceremony held at Menara Bank Islam earlier today from the Group CEO of ABAC, Zafar Anjum. Also in attendance was Bank Islam Group Chief Executive Officer Dato’ Mohd Muazzam Mohamed.

    Bank Islam Group Chief Executive Officer, Dato’ Mohd Muazzam Mohamed, said the ISO 37001 certification acknowledged the bank’s anti-corruption practices and declared its commitment to zero-tolerance against bribery and corruption. This certification sets new standards in the industry and distinguishes Bank Islam as an ethical and responsible organization.

    “The ISO 37001 certification assures the management, staff, customers, and other stakeholders that the bank has taken appropriate measures to prevent graft. It also improves organizational efficiency and effectiveness in managing risks associated with bribery.

    “With this certification in place, we firmly believe customers, business partners, and other valued stakeholders will further place their trust in Bank Islam to manage their interests,” he said.

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    ISO 37001 is an international standard that specifies requirements and provides guidance for establishing, implementing, maintaining, reviewing, and improving an anti-bribery management system.

    According to Mohd Muazzam, Bank Islam constantly strives to enhance integrity by educating and increasing awareness among its employees.

    “We undertook several critical measures and policies to obtain the ISO 37001 ABMS certification, including implementing the ABMS Guideline, which serves as an internal document verifying that documented procedures met the ISO 37001 ABMS Standard requirements. This accreditation also complements the bank’s effort in ensuring the strictest code of conduct, good governance, and integrity,” he explains.

    In July 2022, Bank Islam launched its inaugural organizational anti-corruption plan (OACP) for 2022–2025. The Bank also introduced the Group Anti-Bribery and Corruption Policy in 2021, outlining the roles and responsibilities of employees in upholding fundamental values of integrity, transparency, and accountability consistently across its operations.

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  • For its Global Shariah-ESG Equity Fund, BIMB Investment announced a 6.02% income distribution yield.

    The following income distribution has been issued for BIMB-ARABESQUE i Global Dividend Fund 1 (BiGDF1) or (the Fund) for its financial year ending 31 March 2024 by BIMB Investment Management Berhad (BIMB Investment), a fully owned subsidiary of Bank Islam Malaysia Berhad (Bank Islam):

    Fund Name  Asset Class  Yield (%)  Sen/cent per unit
    BIMB-ARABESQUE i Global Dividend Fund 1 RM  6.02%  2.90
    USD  6.12%  2.90
    RM Hedged  6.19%  2.80
    SGD  6.10%  2.60

    BIMB Investment’s Chief Executive Officer, Azdini Nor Azman, said, ‘‘We would like to thank our  unitholders for their unwavering support and trust in our BiGDF1. Their confidence has translated  into a strong performance, resulting in income distributions of 2.90 sen/cent per unit for the RM  Class and USD Class, 2.80 sen/cent per unit for the RM Hedged Class, and 2.60 sen/cent per  unit for the SGD Class. The income distribution yield of the Fund is 6.02% for the RM Class,  6.12% for the USD Class, 6.19% for the RM Hedged Class, and 6.10% for the SGD Class.” 

    She adds, “With BiGDF1, the landscape of fund management is evolving through the financial  technology solution that constructs investment portfolios focusing on capital growth while effectively managing market volatility, conducting data analysis, and making intuition-free  decisions. BiGDF1 seamlessly incorporates Shariah values and environmental, social and  governance (ESG) principles, harnessing the power of Artificial Intelligence (AI) technology to  provide consistent, sustainable performance. Our dedication remains firmly rooted in delivering  value and sustainable performance with risk management at the forefront of our commitment to  investors.” 

    BiGDF1, first introduced in November 2015 and relaunched in 2019 for retail investors, is one of  the largest Shariah global equity funds in Malaysia, with more than RM200 million in fund size as  of 31 August 2023, according to the Refinitiv Lipper IM rank. The Fund was awarded Best ESG  Equity Fund 2020 by The Asset Islamic Finance Awards 2020. The Fund seeks long-term capital  appreciation and provides investors access to investments in Shariah-compliant global equities. 

    It suits investors seeking exposure to Shariah-compliant global developed markets equity, with  moderate to high-risk tolerance and a 5-year or more investment horizon. The Fund invests a  minimum of 90% of the Fund’s net asset value (NAV) into the Target Fund and a maximum of  10% of the Fund’s NAV into Islamic fixed deposits, Islamic money market instruments, and/or  Islamic liquid markets. The Fund rebalances its portfolio daily between equity and cash for  sustainable risk-adjusted investment returns and to reduce risks and drawdowns during failing  markets. The minimum initial investment amount is RM500 for the RM Class and the RM Hedged  Class, SGD500 for the SGD Class, and USD500 for the USD Class. 

    Bank Islam’s Group Chief Executive Officer, Mohd Muazzam Mohamed, said, “The Bank Islam  Group remains committed to incorporating Shariah principles within the Group and considering  ESG factors. This commitment aims to enhance resilience and foster financial inclusion for  everyone. We believe ESG-focused investments are poised to become the prevailing trend, and  companies that prioritise ESG considerations will excel and demonstrate greater long-term  resilience.” 

  • SURAU ABU HURAIRAH IS OFFICIALLY OPENING FOR THE CONVENIENCE OF NATIONAL ZOO VISITORS.

    The freshly rebuilt Surau Abu Hurairah at Malaysia’s National Zoo (Zoo Negara) was officially inaugurated today by Bank Islam Malaysia Berhad (Bank Islam or the Bank).

    This surau construction project was completed with the collaboration of the Ministry of  Defense (MINDEF), the Malaysian Armed Forces (ATM), and the Malaysian Zoological  Society. The project’s goal was to provide a fully equipped, comfortable, and easily  accessible place of worship for the visitors and staff of Zoo Negara. Construction works  began on 16 January and completed on 16 March 2023. The newly rebuilt surau opened  on 29 June, coinciding with the Hari Raya Aidiladha holiday. 

    The surau was named after a companion of Prophet Muhammad SAW, Abu Hurairah,  known for his kindness towards animals. Abu Hurairah was chosen to inspire the  community and zoo visitors to emulate his admirable qualities. 

    The project’s total cost was RM180,000, of which RM151,377.70 was allocated for  rebuilding the premises, while the remaining funds were used to enhance its facilities. The  rebuilding of the surau was financed by the Bank’s corporate social responsibility funds  and donations to Bank Islam’s crowdfunding initiative, Sadaqa House. The initiative  showcases the positive impact of Islamic financial instruments, such as charity, waqf, and  zakat, in empowering communities and safeguarding the environment. 

    Bank Islam Group Chief Executive Officer Mohd Muazzam Mohamed said the Bank is  honoured to join forces with MINDEF, ATM, and the Malaysian Zoological Society in  improving and furnishing the facility at the Zoo Negara for the convenience of its visitors  and staff. 

    “This is important to Bank Islam as Zoo Negara is a major tourist destination and an  important wildlife education centre in Malaysia. With nearly 600,000 visitors last year,  providing comfortable facilities for visitors is very important. Alhamdulillah, Surau Abu  Hurairah is now fully equipped with user-friendly features, including facilities for the elderly  and disabled,” he said.  

    Deputy Secretary General (Management) of MINDEF, Dr. Mohd Bakhari Ismail, said the  construction of Surau Abu Hurairah was carried out by 24 members from 91st Support  Regiment Royal Engineers Regiment led by Lt Kol Norhejeri Samsudin, Mejar Haziq Abdul  Jalal and Lt Al Ismail Ahmad. 

    “The #JiwaMurni initiative is a secondary responsibility of the ATM in helping the  community, especially in the areas of welfare, well-being and education. We are  delighted with this collaboration with Bank Islam and Malaysian Zoological Society as it  expresses MINDEF and ATM’s empathy and brings us closer to the community,” he said.  

    Meanwhile, Malaysian Zoological Society President Dato’ Sr. Zaharin Md Arif expresses his  confidence that the newly rebuilt surau will provide comfort and convenience to its  visitors.  

    “The surau will indirectly attract more visitors to Zoo Negara, allowing them to experience  and learn more about the uniqueness of the various wildlife here. We appreciate the  assistance and efforts of Bank Islam, MINDEF, and ATM in this meaningful project,” he said.