INTERIM FINANCIAL STATEMENTS AUDITED STATEMENT OF FINANCIAL POSITION AS AT 31 DECEMBER

(14328 - V) CONDENSED INTERIM FINANCIAL STATEMENTS AUDITED STATEMENT OF FINANCIAL POSITION AS AT 31 DECEMBER 2018 Note RM 000 RM 000 ASSETS Cash and balances with banks 2,127,231 3,636,868 Financial assets at fair value through profit or loss A8 30,310 - Financial assets held-for-trading A9-646,834 Derivative financial assets 3,946 7,468 Financial investments at fair value through other comprehensive income A10 8,654,277 - Financial investments available-for-sale A11-5,825,046 Financial investments at amortised cost A12 3,186,041 - Financial investments held-to-maturity A13-3,002,331 Financing and advances A14 45,629,999 41,705,965 Other assets A15 69,628 76,090 Statutory deposits with Bank Negara Malaysia 1,891,250 1,674,050 Deferred tax assets 2,637 4,172 Collective investment 530,514 513,071 Investment in an associated company 45,000 30,000 Property and equipment 3,079 1,016 TOTAL ASSETS 62,173,912 57,122,911 LIABILITIES Deposits from customers A16 53,639,575 49,504,109 Deposits from banks A17 1,982,936 1,993,695 Bills and acceptances payable 204 365 Derivative financial liabilities 23,601 27,351 Senior Sukuk Murabahah 519,775 - Subordinated Sukuk Murabahah 999,887 999,631 Other liabilities A18 451,580 367,272 Provision for zakat and taxation 11,299 43,536 TOTAL LIABILITIES 57,628,857 52,935,959 The Audited Condensed Interim Financial Statements should be read in conjunction with the audited financial statements of the Bank for the year ended 31 December 2017. 1

(14328 - V) CONDENSED INTERIM FINANCIAL STATEMENTS AUDITED STATEMENT OF FINANCIAL POSITION AS AT 31 DECEMBER 2018 Note RM 000 RM 000 EQUITY Share capital 2,732,717 2,732,717 Regulatory reserves 259,285 201,140 Other reserves (1,509) (7,632) Retained profits 1,554,562 1,260,727 TOTAL EQUITY 4,545,055 4,186,952 TOTAL LIABILITIES AND EQUITY 62,173,912 57,122,911 COMMITMENTS AND CONTINGENCIES A31 10,404,744 10,784,272 CAPITAL ADEQUACY A30 Before deducting interim dividend * Common Equity Tier I Capital Ratio 12.087% 11.992% Tier I Capital Ratio 12.087% 11.992% Total Capital Ratio 16.116% 16.114% After deducting interim dividend * Common Equity Tier I Capital Ratio 11.955% 11.852% Tier I Capital Ratio 11.955% 11.852% Total Capital Ratio 15.984% 15.975% Net assets per share attributable to ordinary equity holder of the Bank (RM) 19.66 18.11 * Refer to interim dividend declared subsequent to the financial year end. The Audited Condensed Interim Financial Statements should be read in conjunction with the audited financial statements of the Bank for the year ended 31 December 2017. 2

(14328 - V) CONDENSED INTERIM FINANCIAL STATEMENTS AUDITED STATEMENT OF PROFIT OR LOSS FOR THE 4TH QUARTER AND FINANCIAL YEAR ENDED 31 DECEMBER 2018 4th Quarter Ended Financial Year Ended Note RM 000 RM 000 RM 000 RM 000 Income derived from investment of depositors' funds and others A19 657,194 578,310 2,566,476 2,285,636 Income derived from investment of shareholder's funds A20 54,996 49,352 210,079 184,286 Writeback of allowance / (Allowance) for impairment on financing and advances A21 2,415 (11,621) (32,256) (68,960) (Allowance) / Writeback of allowance for impairment on other assets (107) 38 (461) 133 Total distributable income 714,498 616,079 2,743,838 2,401,095 Income attributable to depositors and others A22 (435,105) (370,704) (1,693,021) (1,455,829) Total net income 279,393 245,375 1,050,817 945,266 Personnel expenses A23 (5,334) (4,831) (19,248) (18,054) Other overheads and expenditures A24 (103,068) (99,384) (412,980) (392,311) Profit before zakat and taxation 170,991 141,160 618,589 534,901 Zakat (65) (65) (260) (260) Taxation (40,061) (32,688) (144,332) (124,163) Profit for the period / year 130,865 108,407 473,997 410,478 Earnings per share - basic / diluted (sen) A25 56.6 46.9 205.0 182.2 The Audited Condensed Interim Financial Statements should be read in conjunction with the audited financial statements of the Bank for the year ended 31 December 2017. 3

(14328 - V) CONDENSED INTERIM FINANCIAL STATEMENTS AUDITED STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE 4TH QUARTER AND FINANCIAL YEAR ENDED 31 DECEMBER 2018 4th Quarter Ended Financial Year Ended RM 000 RM 000 RM 000 RM 000 Profit for the period / year 130,865 108,407 473,997 410,478 Other comprehensive income / (loss) : Items that will not be reclassified to profit or loss: Defined benefit reserves: - Gain on remeasurements of defined benefit plans 1,573 400 1,573 400 Items that may be reclassified to profit or loss: Revaluation reserves: - Net gain / (loss) on revaluation of financial investments: - at fair value through other comprehensive income 3,322-5,316 - - available-for-sale - (1,154) - 21,513 Hedging reserves: - Net change in cash flow hedges (7,456) 18,153 180 (17,543) (4,134) 16,999 5,496 3,970 Income tax relating to components of other comprehensive income / (loss) : - Defined benefit reserves (377) (96) (377) (96) - Revaluation reserves (797) 277 (1,276) (5,163) - Hedging reserves 1,790 (4,357) (43) 4,210 616 (4,176) (1,696) (1,049) Other comprehensive (loss) / income for the period / year, net of tax (1,945) 13,223 5,373 3,321 Total comprehensive income for the period / year 128,920 121,630 479,370 413,799 The Audited Condensed Interim Financial Statements should be read in conjunction with the audited financial statements of the Bank for the year ended 31 December 2017. 4

(14328 - V) CONDENSED INTERIM FINANCIAL STATEMENTS AUDITED STATEMENT OF CHANGES IN EQUITY FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2018 <------------------------------ Non-distributable -------------------------------> Reserves Distributable Reserve Profit Defined Share Revaluation Equalisation Hedging Benefit Regulatory Retained Total Capital Reserves Reserves Reserves Reserves Reserves Profits Equity RM 000 RM 000 RM 000 RM 000 RM 000 RM'000 RM 000 RM 000 At 1 January 2018 - as previously stated 2,732,717 2,518 172 (15,332) 5,010 201,140 1,260,727 4,186,952 - effect of changes in accounting policies (Note A34) - 750 - - - (7,070) (22,460) (28,780) At 1 January 2018, as restated 2,732,717 3,268 172 (15,332) 5,010 194,070 1,238,267 4,158,172 Profit for the year - - - - - - 473,997 473,997 Other comprehensive income for the year - 4,040-137 1,196 - - 5,373 Total comprehensive income for the year - 4,040-137 1,196-473,997 479,370 Transactions with owner / other equity movements: Transfer to regulatory reserves - - - - - 65,215 (65,215) - Dividends paid - - - - - - (92,487) (92,487) - - - - - 65,215 (157,702) (92,487) At 31 December 2018 2,732,717 7,308 172 (15,195) 6,206 259,285 1,554,562 4,545,055 The Audited Condensed Interim Financial Statements should be read in conjunction with the audited financial statements of the Bank for the year ended 31 December 2017. 5

(14328 - V) CONDENSED INTERIM FINANCIAL STATEMENTS AUDITED STATEMENT OF CHANGES IN EQUITY FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2018 <------------------------------------------------ Non-distributable --------------------------------------------------> Reserves Distributable Reserve Profit Defined Share Share Statutory Revaluation Equalisation Hedging Benefit Regulatory Retained Total Capital Premium Reserves Reserves Reserves Reserves Reserves Reserves Profits Equity RM 000 RM 000 RM 000 RM 000 RM 000 RM 000 RM 000 RM'000 RM 000 RM 000 At 1 January 2017 219,217 2,213,500 239,546 (13,832) 173 (1,999) 4,706 148,815 775,036 3,585,162 Profit for the year - - - - - - - - 410,478 410,478 Other comprehensive income / (loss) for the year - - - 16,350 - (13,333) 304 - - 3,321 Total comprehensive income / (loss) for the year - - - 16,350 - (13,333) 304-410,478 413,799 Transactions with owner / other equity movements: Transfer pursuant to Companies Act 2016 2,213,500 (2,213,500) - - - - - - - - Transfer from Profit Equalisation Reserves of the Bank - - - - (1) - - - 1 - Transfer from statutory reserves - - (239,546) - - - - - 239,546 - Transfer to regulatory reserves - - - - - - - 52,325 (52,325) - Increase in share capital 300,000 - - - - - - - - 300,000 Dividends paid - - - - - - - - (112,009) (112,009) 2,513,500 (2,213,500) (239,546) - (1) - - 52,325 75,213 187,991 At 31 December 2017 2,732,717 - - 2,518 172 (15,332) 5,010 201,140 1,260,727 4,186,952 The Audited Condensed Interim Financial Statements should be read in conjunction with the audited financial statements of the Bank for the year ended 31 December 2017. 6

(14328 - V) CONDENSED INTERIM FINANCIAL STATEMENTS AUDITED CONDENSED STATEMENT OF CASH FLOWS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2018 RM'000 RM'000 Profit before zakat and taxation 618,589 534,901 Adjustments for non-cash items 33,876 66,306 Operating profit before working capital changes 652,465 601,207 Changes in working capital: Net changes in operating assets (3,605,528) (4,858,253) Net changes in operating liabilities 4,203,068 6,353,058 Cash generated from operations 1,250,005 2,096,012 Zakat and tax paid (167,902) (125,117) Net cash generated from operating activities 1,082,103 1,970,895 Net cash (used in) / generated from investing activities (3,018,993) 326,600 Net cash generated from financing activities 427,253 687,991 Net change in cash and cash equivalents (1,509,637) 2,985,486 Cash and cash equivalents at beginning of the year 3,636,868 651,382 Cash and cash equivalents at end of the year 2,127,231 3,636,868 Note: Cash and balances with banks 2,127,231 3,636,868 Less: Balances with banks with original maturity more than three months - - Cash and cash equivalents at end of the year 2,127,231 3,636,868 The Audited Condensed Interim Financial Statements should be read in conjunction with the audited financial statements of the Bank for the year ended 31 December 2017. 7

Part A - Explanatory Notes Pursuant to Malaysian Financial Reporting Standard ("MFRS") 134 and Policy Document on Financial Reporting for Islamic Banking Institutions Issued by Bank Negara Malaysia A1. Basis of Preparation The audited condensed interim financial statements for the 4th quarter and financial year ended 31 December 2018 have been prepared under the historical cost convention except for the following assets and liabilities which are stated at fair values: financial assets at fair value through profit or loss ("FVTPL"), financial investments at fair value through other comprehensive income ("FVOCI") and derivative financial instruments. The audited condensed interim financial statements have been prepared in accordance with MFRS 134: Interim Financial Reporting issued by the Malaysian Accounting Standards Board ( MASB ). The audited condensed interim financial statements should be read in conjunction with the audited annual financial statements of the Bank for the financial year ended 31 December 2017. The explanatory notes attached to the audited condensed interim financial statements provide an explanation of events and transactions that are significant to an understanding of the changes in the financial position and performance of the Bank since the year ended 31 December 2017. The significant accounting policies and methods of computation applied in the audited condensed interim financial statements are consistent with those adopted in the most recent annual financial statements for the financial year ended 31 December 2017, except for the adoption or early adoption of the following MFRSs, Amendments to MFRSs and IC Interpretations during the current financial year: Effective for annual periods commencing on or after 1 January 2018 - MFRS 9 Financial Instruments (2014) - MFRS 15 Revenue from Contracts with Customers - Transfers of Investment Property (Amendments to MFRS 140) - IC Interpretation 22 Foreign Currency Transactions and Advance Consideration - Applying MFRS 9 Financial Instruments with MFRS 4 Insurance Contracts (Amendments to MFRS 4) Effective for annual periods commencing on or after 1 January 2019 (Early adoption) - IC Interpretation 23 Uncertainty over Income Tax Treatments - Prepayment Features with Negative Compensation (Amendments to MFRS 9) - Amendments to MFRSs contained in the document entitled "Annual Improvements to MFRS Standards 2015-2017 Cycle" - Previously Held Interest in a Joint Operation (Amendments to MFRS 3 Business Combinations and MFRS 11 Joint Arrangements) - Income Tax Consequences of Payments on Financial Instruments Classified as Equity (Amendments to MFRS 112 Income Taxes) - Borrowing Costs Eligible for Capitalisation (Amendments to MFRS 123 Borrowing Costs) 8

A1. Basis of Preparation (continued) The main effects of the adoption of MFRSs, Amendments to MFRSs and IC Interpretations above are summarised below: (a) MFRS 9 Financial Instruments (2014) - MFRS 9 issued by the MASB is equivalent to IFRS 9 as issued by IASB, including the effective dates. The standard introduces new requirements for classification and measurement, impairment, and hedge accounting. The details and the financial effects of the adoption of MFRS 9 are discussed in Note A34 Changes in Accounting Policies. (b) MFRS 15 Revenue from Contracts with Customers - MFRS 15 Revenue from Contracts with Customers replaces MFRS 118 Revenue and MFRS 111 Construction Contracts and their related interpretations. MFRS 15 provides a principles based approach for revenue recognition, and introduces the concept of recognising revenue for performance obligations as they are satisfied. The core principle in MFRS 15 is that an entity recognises revenue to depict the transfer of promised goods or services to the customer in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The adoption of MFRS 15 did not have any material impact on the financial statements of the Bank as most of the revenue of the Bank is already recognised in accordance with the principles of MFRS 15. (c) (d) (e) Transfers of Investment Property (Amendments to MFRS 140) - The amendments clarify the existing provisions in the Standard on transfer to, or from the investment property category. The adoption of these amendments did not have any financial impact on the financial statements of the Bank. IC Interpretation 22 Foreign Currency Transactions and Advance Consideration - The IC Interpretation addresses the issue on which exchange rate is to be used in reporting foreign currency transactions that involve advance consideration paid or received. The adoption of the IC Interpretation did not have any material financial impact on the financial statements of the Bank. Applying MFRS 9 Financial Instruments with MFRS 4 Insurance Contracts (Amendments to MFRS 4) - The amendments address the issues arising from the transitional challenges of applying the temporary exemption from MFRS 9 for an insurer in view that the upcoming new insurance contracts standard MFRS 17 is expected to be issued soon. To reduce the impact of temporary volatility in reported results of entity dealing with insurance contracts, the amendments introduce two additional voluntary options, namely an overlay approach and a deferral approach. The adoption of these amendments did not have any financial impact on the financial statements of the Bank as it is not applicable to the Bank. (f) IC Interpretation 23 Uncertainty over Income Tax Treatments - The IC Interpretation provides clarification on the application of recognition and measurement requirements in MFRS 112 Income Taxes when there is uncertainty over income tax treatments. The adoption of the IC Interpretation did not have any material financial impact on the financial statements of the Bank. 9

A1. Basis of Preparation (continued) The main effects of the adoption of MFRSs, Amendments to MFRSs and IC Interpretations above are summarised below (continued): (g) (h) Prepayment Features with Negative Compensation (Amendments to MFRS 9) - The amendments allow companies to measure prepayable financial assets with negative compensation at amortised cost or at fair value through other comprehensive income if certain conditions are met. The adoption of the amendments did not have any financial impact on the financial statements of the Bank. Amendments to MFRSs contained in the document entitled "Annual Improvements to MFRS Standards 2015-2017 Cycle" - The amendments are summarised below: i) Previously Held Interest in a Joint Operation (Amendments to MFRS 3 Business Combinations and MFRS 11 Joint Arrangements) - The amendments to MFRS 3 clarify that when an entity obtains control of a business that is a joint operation, it shall remeasure its previously held interest in the joint operation at fair value. Whereas, when an entity obtains joint control of a business that is a joint operation, the previously held interest is not remeasured. ii) iii) Income Tax Consequences of Payments on Financial Instruments Classified as Equity (Amendments to MFRS 112 Income Taxes) - The amendments clarify that all income tax consequences of dividends (including payments on financial instruments classified as equity) are recognised consistently with the transactions that generated the distributable profits i.e. in profit or loss, other comprehensive income or equity. Borrowing Costs Eligible for Capitalisation (Amendments to MFRS 123 Borrowing Costs) - The amendments clarify that when a qualifying asset is ready for its intended use or sale, an entity shall treat any outstanding borrowing made specifically to obtain that qualifying asset as part of general borrowings. The adoption of Annual Improvements to MFRS Standards 2015-2017 Cycle did not have any financial impact on the financial statements of the Bank. Capital Adequacy Frameworks for Islamic Banks The Capital Adequacy Frameworks for Islamic Banks in relation to Basel II - Risk-Weighted Assets and Capital Components were updated and reissued by Bank Negara Malaysia ("BNM") on 2 February 2018 for application with effect from 1 January 2018. The updates focused mainly on the following changes: i) Revised definition of General Provision and Specific Provision arising from the implementation of MFRS 9 Financial Instruments; ii) iii) iv) Definition of General Provision and its recognition in Tier II capital; Alignment of terminologies used under MFRS 9 for the purpose of capital recognition and regulatory adjustments; and Clarification on the capital treatment of bargain purchase gains and right-of-use assets. The updates above mainly address clarification on capital recognition and regulatory adjustment requirements arising from the implementation of MFRS 9. The impact to the capital adequacy ratios of the Bank are disclosed in Note A34(c). 10

A1. Basis of Preparation (continued) BNM's Revised Policy Document on Financial Reporting for Islamic Banking Institutions On 2 February 2018, BNM issued the revised policy document on Financial Reporting for Islamic Banking Institutions which prescribes the regulatory reserves to be maintained by banking institutions. With effect from 1 January 2018, the Bank must maintain, in aggregate, loss allowance for non-credit impaired exposures and regulatory reserves of no less than 1% of total credit exposures, net of loss allowance for credit-impaired exposures. The financial effects of the adoption of the revised policy document are discussed in Note A34 Changes in Accounting Policies. The following MFRSs and Amendments to MFRS have been issued by MASB but are not yet effective to the Bank: Effective for annual periods commencing on or after 1 January 2019 - MFRS 16 Leases - Plan Amendment, Curtailment or Settlement (Amendments to MFRS 119 Employee Benefits) Effective for annual periods commencing on or after 1 January 2021 - MFRS 17 Insurance Contracts A brief description of the new MFRSs and Amendments to MFRS above that have been issued but not yet effective to the Bank is set out below: (a) MFRS 16 Leases - MFRS 16 Leases supersedes MFRS 117 Leases and its related interpretations. Under MFRS 16, a lease is a contract (or part of a contract) that conveys the right to control the use of an identified asset for a period of time in exchange for consideration. MFRS 16 introduces a single accounting model for a lessee and eliminates the classification of leases by the lessee as either finance leases (on balance sheet) or operating leases (off balance sheet). i) ii) Lessee At the commencement date of a lease, a lessee will recognise a lease liability to make lease payments and an asset representing the "right to use" of the underlying asset during the lease term. Subsequently, the "right-of-use" asset is depreciated in accordance with the principle in MFRS 116 "Property, Plant and Equipment" and the lease liability is accreted over time with interest expense recognised in the profit or loss. Lessor Lessor accounting under MFRS 16 is substantially the same as the accounting under MFRS 117. Lessors will continue to classify all leases using the same classification principle as in MFRS 117 and distinguish between two types of leases: operating and finance leases. 11

A1. Basis of Preparation (continued) A brief description of the new MFRSs and Amendments to MFRS above that have been issued but not yet effective to the Bank is set out below (continued): The assessment of the financial effects arising from the adoption of MFRS 16 are currently at its final stage. Subject to further validation, the financial impact to the Bank on initial recognition as at 1 January 2019 are expected to be as follows: RM' Mil Increase in right-of-use assets Increase in lease liabilities Increase in deferred tax assets Decrease in retained profits 16.6 17.9 0.3 (1.0) Based on the latest Capital Adequacy Frameworks issued by BNM on 2 February 2018, the right-of-use assets will be accorded a risk weight of 100% which will result in a negative impact to the capital ratios of the Bank. However, the impact is not expected to be significant. (b) Plan Amendment, Curtailment or Settlement (Amendments to MFRS 119 Employee Benefits) - The amendments to MFRS 119 require an entity to use updated actuarial assumptions to determine current service cost and net interest for the remainder of the reporting period after the plan amendment, curtailment or settlement when the entity remeasures its net defined benefit liability (asset). As there are no proposed changes in the terms or membership of the Bank's defined benefit plan which may result in plan amendment, curtailment or settlement, the adoption of the amendments is not expected to have any financial impact on the financial statements of the Bank. (c) MFRS 17 Insurance Contracts - MFRS 17 introduces consistent accounting for all insurance contracts based on a current measurement model. Under MFRS 17, the general model requires entities to recognise and measure a group of insurance contracts at: (i) a risk-adjusted present value of future cash flows that incorporates information that is consistent with observable market information; plus (ii) an amount representing the unearned profit in the group of contracts. The adoption of MFRS 17 will not have any financial impact on the financial statements of the Bank as it is not applicable to the Bank. A2. Auditors' Report on Preceding Annual Financial Statements The auditors' report on the audited annual financial statements for the financial year ended 31 December 2017 was not qualified. 12

A3. Comments about Seasonal or Cyclical Factors The operations of the Bank were not materially affected by any seasonal or cyclical factors in the current financial year. A4. Unusual Items Due to Their Nature, Size or Incidence There were no unusual items affecting the assets, liabilities, equity, net income or cash flows of the Bank in the current financial year. A5. Changes in Estimates There were no material changes in estimates of amounts reported in prior financial years that have a material effect in the current financial year. A6. Debt and Equity Securities Saved as disclosed below, there were no issuances of shares, share buy-backs and repayment of debt and equity securities by the Bank. RM5.0 Billion Sukuk Murabahah Programme On 27 July 2018, the Bank issued RM520 million in nominal value of Senior Sukuk Murabahah under the Sukuk Murabahah Programme, due on 27 July 2021 and bear profit at 4.30% per annum. A7. Dividends Paid, Distributed and Declared During the financial year ended 31 December 2018: a) b) A second interim dividend of 20.0 sen per share in respect of the financial year ended 31 December 2017, amounting to RM46,243,400 was paid on 26 February 2018. A first interim dividend of 20.0 sen per share in respect of the financial year ended 31 December 2018, amounting to RM46,243,400 was paid on 17 August 2018. The Directors had declared a second interim dividend of 20.0 sen per share, amounting to RM46,243,400 computed based on 231,217,000 ordinary shares as at 31 December 2018. The financial statements for the current financial year do not reflect this declared dividend. Upon declaration, the second interim dividend payment will be accounted for in equity as an appropriation of retained earnings during the financial year ending 31 December 2019. 13

A8. Financial Assets at Fair Value through Profit or Loss ("FVTPL") RM 000 RM 000 At fair value Government securities and treasury bills: Malaysian Government Investment Issues 30,310 - The financial assets at FVTPL category was introduced upon the adoption of MFRS 9 on 1 January 2018. Comparative figures are not restated in line with the transition requirements under MFRS 9. The financial effects of the adoption of MFRS 9 are discussed in Note A34 Changes in Accounting Policies. A9. Financial Assets Held-for-Trading RM 000 RM 000 At fair value Money market instruments: Negotiable Islamic Debt Certificates - 646,834 The financial assets held-for-trading category was removed upon the adoption of MFRS 9. The financial effects of the adoption of MFRS 9 are discussed in Note A34 Changes in Accounting Policies. 14

A10. Financial Investments at Fair Value through Other Comprehensive Income ("FVOCI") RM 000 RM 000 At fair value Government securities and treasury bills: Malaysian Government Investment Issues 8,654,277 - The financial investments at FVOCI category was introduced upon the adoption of MFRS 9 on 1 January 2018. Comparative figures are not restated in line with the transition requirements under MFRS 9. The financial effects of the adoption of MFRS 9 are discussed in Note A34 Changes in Accounting Policies. The following expected credit losses ("ECL") for debt instruments are not recognised in the statement of financial position as the carrying amount of debt instruments at FVOCI is equivalent to their fair value: Lifetime ECL 12-Month Not Credit- Credit- ECL Impaired Impaired (Stage 1) (Stage 2) (Stage 3) Total RM 000 RM 000 RM 000 RM 000 At 1 January 2018 - as previously stated - - - - - effects of adoption of MFRS 9 987 - - 987 At 1 January 2018, as restated 987 - - 987 New financial investments purchased 1,217 - - 1,217 Net allowance made 12 - - 12 Amount derecognised (751) - - (751) At 31 December 2018 1,465 - - 1,465 A11. Financial Investments Available-for-Sale RM 000 RM 000 At fair value Government securities and treasury bills: Malaysian Government Investment Issues - 5,825,046 The financial investments available-for-sale category was removed upon the adoption of MFRS 9. The financial effects of the adoption of MFRS 9 are discussed in Note A34 Changes in Accounting Policies. 15

A12. Financial Investments at Amortised Cost RM 000 RM 000 At amortised cost Government securities and treasury bills: Malaysian Government Investment Issues Non-money market instruments: Debt securities - Unquoted corporate sukuk Allowance for impairment 2,373,305-813,276 - (540) - Total financial investments at amortised cost 3,186,041 - The financial investments at amortised cost category was introduced upon the adoption of MFRS 9 on 1 January 2018. Comparative figures are not restated in line with the transition requirements under MFRS 9. The financial effects of the adoption of MFRS 9 are discussed in Note A34 Changes in Accounting Policies. Movements in allowances for impairment on debt instruments which reflect the ECL model on impairment are as follows: Lifetime ECL 12-Month Not Credit- Credit- ECL Impaired Impaired (Stage 1) (Stage 2) (Stage 3) Total RM 000 RM 000 RM 000 RM 000 At 1 January 2018 - as previously stated - - - - - effects of adoption of MFRS 9 509 - - 509 At 1 January 2018, as restated 509 - - 509 New financial investments purchased Net allowance made Amount derecognised At 31 December 2018 321 - - 321 1 - - 1 (291) - - (291) 540 - - 540 16

A13. Financial Investments Held-to-Maturity RM 000 RM 000 At amortised cost Government securities and treasury bills: Malaysian Government Investment Issues - 2,431,081 Non-money market instruments: Debt securities - Unquoted corporate sukuk - 571,250 Total financial investments held-to-maturity - 3,002,331 The financial investments held-to-maturity category was removed upon the adoption of MFRS 9. The financial effects of the adoption of MFRS 9 are discussed in Note A34 Changes in Accounting Policies. 17

A14. Financing and Advances a. By type and contract Bai' Ijarah Total Bithaman Thumma Musharakah Financing and Ajil Al-Bai' Bai' Inah Mutanaqisah Murabahah Others Advances 31 December 2018 RM'000 RM'000 RM'000 RM'000 RM'000 RM'000 RM'000 At amortised cost Cash line 1,639,516 - - - - - 1,639,516 Term financing - House financing 4,553,457 - - 13,161,403 - - 17,714,860 - Syndicated financing 1,441,460 - - - - - 1,441,460 - Hire purchase receivables - 9,662,180 - - - - 9,662,180 - Other term financing 3,468,827-1,681,610 9,724,292-105,517 14,980,246 Credit card receivables - - - - - 21,776 21,776 Bills receivables - - - - 2,267-2,267 Trust receipts - - - - 5,200-5,200 Claims on customers under acceptance credits - - - - 173,522-173,522 Revolving credits 221,221 - - - - - 221,221 Staff financing - 8,212-73,307 - - 81,519 Gross financing and advances 11,324,481 9,670,392 1,681,610 22,959,002 180,989 127,293 45,943,767 Allowance for impairment on financing and advances: - Expected credit losses (313,768) - Stage 1: 12-Month ECL (144,142) - Stage 2: Lifetime ECL not credit-impaired (77,514) - Stage 3: Lifetime ECL credit-impaired (92,112) Net financing and advances 45,629,999 18

A14. Financing and Advances (continued) a. By type and contract (continued) Bai' Ijarah Total Bithaman Thumma Musharakah Financing and Ajil Al-Bai' Bai' Inah Mutanaqisah Murabahah Others Advances 31 December 2017 RM'000 RM'000 RM'000 RM'000 RM'000 RM'000 RM'000 At amortised cost Cash line 1,380,952 - - - - - 1,380,952 Term financing - House financing 4,131,197 - - 10,550,865 - - 14,682,062 - Syndicated financing 1,306,278 - - - - - 1,306,278 - Hire purchase receivables - 10,875,598 - - - - 10,875,598 - Other term financing 3,183,612-1,777,632 8,379,688 - - 13,340,932 Credit card receivables - - - - - 14,158 14,158 Bills receivables - - - - 604-604 Trust receipts - - - - 5,000-5,000 Claims on customers under acceptance credits - - - - 135,388-135,388 Revolving credits 204,923 - - - - - 204,923 Staff financing - 6,597-56,441 - - 63,038 Gross financing and advances 10,206,962 10,882,195 1,777,632 18,986,994 140,992 14,158 42,008,933 Allowance for impairment on financing and advances: - collective assessment allowance (302,968) - individual assessment allowance - Net financing and advances 41,705,965 All the financing and advances are located in Malaysia. 19

A14. Financing and Advances (continued) b. By class RM 000 RM 000 Retail financing * - House financing 17,714,860 14,682,062 - Hire purchase 9,662,180 10,875,598 - Credit cards 21,776 14,158 - Other financing ^ 14,844,687 13,302,093 42,243,503 38,873,911 Corporate financing 3,700,264 3,135,022 Gross financing and advances 45,943,767 42,008,933 * Included in retail financing are financing granted to individual customers and mid-market commercial enterprises. ^ Included in other financing are term financing, trade financing, cash line and revolving credits. c. By type of customer RM 000 RM 000 Domestic non-bank financial institutions - Others 1,053,184 628,569 Domestic business enterprises - Small and medium enterprises 8,964,643 8,110,759 - Others 1,180,228 1,078,109 Government and statutory bodies 1,308,324 1,311,455 Individuals 33,236,546 30,785,426 Other domestic entities 5,258 5,711 Foreign entities 195,584 88,904 Gross financing and advances 45,943,767 42,008,933 d. By rate of return sensitivity RM 000 RM 000 Fixed rate - House financing 574,874 1,314,742 - Hire purchase receivables 9,661,717 10,875,454 - Other fixed rate financing 3,456,622 3,780,170 Variable rate - Base rate / base financing rate plus 29,659,488 24,223,994 - Cost plus 2,591,066 1,814,573 Gross financing and advances 45,943,767 42,008,933 20

A14. Financing and Advances (continued) e. By residual contractual maturity RM 000 RM 000 Maturity within one year 2,826,936 2,689,413 More than one year to three years 3,109,731 3,133,092 More than three years to five years 3,422,211 3,196,856 More than five years 36,584,889 32,989,572 Gross financing and advances 45,943,767 42,008,933 f. By economic purpose RM'000 RM'000 Purchase of transport vehicles 9,670,391 10,882,191 Purchase of landed properties 27,988,101 23,889,551 (of which: - residential 18,203,122 15,077,372 - non-residential) 9,784,979 8,812,179 Purchase of fixed assets (excluding landed properties) - 7,390 Personal use 2,783,502 2,651,890 Credit card 21,776 14,158 Purchase of consumer durables 820 834 Construction 390,561 311,972 Working capital 5,060,802 4,208,680 Other purpose 27,814 42,267 Gross financing and advances 45,943,767 42,008,933 g. By sectors RM'000 RM'000 Agriculture, hunting, forestry and fishing 920,510 899,228 Mining and quarrying 52,234 40,692 Manufacturing 858,775 765,205 Electricity, gas and water 4,141 3,977 Construction 1,432,328 1,215,720 Wholesale & retail trade and restaurants & hotels 2,409,325 2,106,833 Transport, storage and communication 414,538 351,529 Finance, insurance and business services 1,515,768 1,077,433 Real estate 3,466,378 3,124,413 Community, social and personal services 1,543,156 1,548,213 Households 33,326,614 30,874,330 Others - 1,360 Gross financing and advances 45,943,767 42,008,933 21

A14. Financing and Advances (continued) h. Movements in credit-impaired financing and advances ("impaired financing") are as follows: RM'000 RM'000 At 1 January Impaired during the year Reclassified as non-credit impaired Recoveries Amount written off Financing converted to foreclosed properties Closing balance 244,386 225,667 673,794 656,378 (506,901) (503,479) (50,578) (43,413) (77,993) (89,715) (4,977) (1,052) 277,731 244,386 Gross impaired financing as a percentage of gross financing and advances 0.60% 0.58% i. Impaired financing and advances by economic purpose RM 000 RM 000 Purchase of transport vehicles 95,087 93,091 Purchase of landed properties 150,269 121,724 (of which: - residential 120,726 110,681 - non-residential) 29,543 11,043 Personal use 27,605 27,470 Credit card 264 198 Working capital 4,491 1,892 Other purpose 15 11 277,731 244,386 j. Impaired financing and advances by sectors RM 000 RM 000 Agriculture, hunting, forestry and fishing 258 428 Mining and quarrying 1,053 749 Manufacturing 2,607 676 Construction 7,130 3,681 Wholesale & retail trade and restaurants & hotels 7,399 2,193 Transport, storage and communication 672 178 Finance, insurance and business services 7,800 937 Real estate 118 - Community, social and personal services 2,339 132 Households 248,355 235,257 Others - 155 277,731 244,386 All the impaired financing and advances are located in Malaysia. 22

A14. Financing and Advances (continued) k. Movements in the allowance for impairment on financing and advances are as follows: Movements in loss allowance for financing which reflect the ECL model on impairment are as follows: Lifetime ECL 12-Month Not Credit- Credit- ECL Impaired Impaired (Stage 1) (Stage 2) (Stage 3) Total RM'000 RM'000 RM'000 RM'000 At 1 January 2018 - as previously stated 302,968 - effects of adoption of MFRS 9 31,282 At 1 January 2018, as restated 152,098 96,030 86,122 334,250 Changes due to financing and advances recognised as at 1 January 2018: 36,425 (20,561) (15,864) - - Transfer to Stage 1: 12-Month ECL 42,920 (35,568) (7,352) - - Transfer to Stage 2: Lifetime ECL not credit-impaired (6,162) 18,260 (12,098) - - Transfer to Stage 3: Lifetime ECL credit-impaired (333) (3,253) 3,586 - New financing and advances originated 21,308 10,213 425 31,946 Net remeasurement due to changes in credit risk (58,301) 1,615 103,831 47,145 Modifications to contractual cash flows of financing and advances (301) (34) 862 527 Financing and advances derecognised (other than write-off) (7,087) (9,749) (5,271) (22,107) Amount written off - - (77,993) (77,993) At 31 December 2018 144,142 77,514 92,112 313,768 31 December 2017 RM'000 Collective Assessment Allowance At 1 January 2017 301,634 Allowance made during the year 91,049 Amount written off (89,715) At 31 December 2017 302,968 Individual Assessment Allowance At 1 January 2017 34 Allowance made during the year 35 Amount written back in respect of recoveries (69) At 31 December 2017-23

A15. Other Assets RM 000 RM 000 Deferred handling fees 48,261 58,225 Income receivable 165 1,392 Other receivables, deposits and prepayments 9,899 10,644 Employee benefits 3,668 3,014 Foreclosed properties 7,635 2,815 69,628 76,090 A16. Deposits from Customers a. By type of deposit and contract RM'000 RM'000 At amortised cost Savings deposit - Qard 6,479,885 - - Wadiah - 6,162,278 6,479,885 6,162,278 Demand deposit - Qard 4,338,942 - - Wadiah - 4,165,878 4,338,942 4,165,878 Term deposit - Negotiable Islamic Debt Certificate - Bai' Bithaman Ajil 23,149 - - Bai' Inah - 17,473 23,149 17,473 - Commodity Murabahah 35,286,960 33,021,079 - Special term deposit account - Qard 7,510,639 - - Wadiah - 6,137,401 7,510,639 6,137,401 53,639,575 49,504,109 24

A16. Deposits from Customers (continued) b. By type of customer RM'000 RM'000 Federal and state governments 1,507,963 5,486,378 Local government and statutory authorities 449,917 556,931 Business enterprises 9,857,402 6,265,418 Individuals 23,759,284 17,910,338 Foreign customers 802,711 632,390 Others 17,262,298 18,652,654 53,639,575 49,504,109 c. The maturity structure of term deposits are as follows: RM'000 RM'000 Due within six months 29,468,215 32,765,431 More than six months to one year 13,323,915 6,407,984 More than one year to three years 28,313 2,203 More than three years to five years 305 335 42,820,748 39,175,953 A17. Deposits from Banks RM 000 RM 000 At amortised cost Non-Mudharabah Fund Licensed banks 1,947,551 1,954,769 Licensed investment banks 10,016 8,767 Bank Negara Malaysia 20,399 22,323 Other financial institutions 4,970 7,836 1,982,936 1,993,695 25

A18. Other Liabilities RM 000 RM 000 Income payable 406,625 334,915 Other payables and accruals 39,138 32,249 Profit Equalisation Reserves 31 108 Allowance for impairment on financing commitments and financial guarantees 5,786-451,580 367,272 Movements in allowance for impairment on financing commitments and financial guarantees are as follows: Lifetime ECL 12-Month Not Credit- Credit- ECL Impaired Impaired (Stage 1) (Stage 2) (Stage 3) Total RM'000 RM'000 RM'000 RM'000 At 1 January 2018 - as previously stated - - effects of adoption of MFRS 9 6,078 At 1 January 2018, as restated 4,585 1,220 273 6,078 Changes due to financing commitments and financial guarantees recognised as at 1 January 2018: 522 (403) (119) - - Transfer to Stage 1: 12-Month ECL 567 (499) (68) - - Transfer to Stage 2: Lifetime ECL not credit-impaired (44) 108 (64) - - Transfer to Stage 3: Lifetime ECL credit-impaired (1) (12) 13 - New financing commitments and financial guarantees originated 1,765 573-2,338 Net remeasurement due to changes in credit risk (1,193) 57 (15) (1,151) Financing commitments and financial guarantees derecognised (1,199) (276) (4) (1,479) At 31 December 2018 4,480 1,171 135 5,786 26

A19. Income Derived from Investment of Depositors' Funds and Others 4th Quarter Ended Financial Year Ended RM 000 RM 000 RM 000 RM 000 Income derived from investment of: (a) Term deposits 523,120 453,125 2,040,865 1,802,436 (b) Other deposits 134,074 125,185 525,611 483,200 657,194 578,310 2,566,476 2,285,636 a. Income derived from investment of term deposits: Finance income and Hibah Financing and advances 422,221 372,707 1,641,869 1,456,545 Financial investments at fair value through other comprehensive income 54,277-185,746 - Financial investments available-for-sale - 36,387-149,318 Financial investments at amortised cost 23,949-95,466 - Financial investments held-to-maturity - 19,847-79,561 Balances with banks 4,493 7,433 36,035 30,225 504,940 436,374 1,959,116 1,715,649 Financial assets at fair value through profit or loss 3,262-25,645 - Financial assets held-for-trading - 4,361-31,881 Total finance income and Hibah 508,202 440,735 1,984,761 1,747,530 Other operating income Fee and commission income: - Commissions 4,610 4,321 15,768 15,102 - Service charges and fees 3,931 3,163 16,389 14,796 - Other fee income 1,097 1,442 5,493 5,834 Net gains and losses on financial instruments: - Net gain arising from sale of financial investments at fair value through other comprehensive income 433-5,010 - - Net gain arising from sale of financial investments available-for-sale - 2,238-4,905 - Gain / (Loss) representing ineffective portions of hedging derivatives 1,377 (1,815) 35 2,089 - Others 7 2 102 488 Gross distribution income from collective investment 3,417 2,956 12,973 11,221 Other income 46 83 334 471 Total other operating income 14,918 12,390 56,104 54,906 523,120 453,125 2,040,865 1,802,436 27

A19. Income Derived from Investment of Depositors' Funds and Others (continued) b. Income derived from investment of other deposits: 4th Quarter Ended Financial Year Ended RM 000 RM 000 RM 000 RM 000 Finance income and Hibah Financing and advances 108,216 102,896 422,852 390,473 Financial investments at fair value through other comprehensive income 13,923-47,838 - Financial investments available-for-sale - 10,066-40,030 Financial investments at amortised cost 6,137-24,586 - Financial investments held-to-maturity - 5,485-21,329 Balances with banks 1,143 2,056 9,280 8,103 129,419 120,503 504,556 459,935 Financial assets at fair value through profit or loss 831-6,605 - Financial assets held-for-trading - 1,245-8,547 Total finance income and Hibah 130,250 121,748 511,161 468,482 Other operating income Fee and commission income: - Commissions 1,182 1,188 4,061 4,049 - Service charges and fees 1,007 880 4,221 3,967 - Other fee income 281 398 1,415 1,563 Net gains and losses on financial instruments: - Net gain arising from sale of financial investments at fair value through other comprehensive income 109-1,290 - - Net gain arising from sale of financial investments available-for-sale - 607-1,315 - Gain / (Loss) representing ineffective portions of hedging derivatives 354 (476) 9 560 - Others 3 2 27 130 Gross distribution income from collective investment 876 815 3,341 3,008 Other income 12 23 86 126 Total other operating income 3,824 3,437 14,450 14,718 134,074 125,185 525,611 483,200 28

A20. Income Derived from Investment of Shareholder's Funds 4th Quarter Ended Financial Year Ended RM 000 RM 000 RM 000 RM 000 Finance income and Hibah Financing and advances 44,385 40,535 169,008 148,921 Financial investments at fair value through other comprehensive income 5,687-19,120 - Financial investments available-for-sale - 3,974-15,267 Financial investments at amortised cost 2,519-9,827 - Financial investments held-to-maturity - 2,163-8,135 Balances with banks 486 811 3,709 3,090 53,077 47,483 201,664 175,413 Financial assets at fair value through profit or loss 353-2,640 - Financial assets held-for-trading - 508-3,260 Total finance income and Hibah 53,430 47,991 204,304 178,673 Other operating income Fee and commission income: - Commissions 483 466 1,623 1,544 - Service charges and fees 414 350 1,687 1,513 - Other fee income 117 156 566 596 Net gains and losses on financial instruments: - Net gain arising from sale of financial investments at fair value through other comprehensive income 48-516 - - Net gain arising from sale of financial investments available-for-sale - 234-501 - Gain / (Loss) representing ineffective portions of hedging derivatives 140 (177) 3 214 - Others (1) 3 10 50 Gross distribution income from collective investment 360 320 1,336 1,147 Other income 5 9 34 48 Total other operating income 1,566 1,361 5,775 5,613 54,996 49,352 210,079 184,286 29

A21. Allowance for Impairment on Financing and Advances 4th Quarter Ended Financial Year Ended RM 000 RM 000 RM 000 RM 000 Allowance for impairment on financing and advances: - Expected credit losses 4,863-57,219 - - Collective assessment allowance, net - 17,913-91,049 - Individual assessment allowance, net - - - (34) Impaired financing written off 1-2 3 Impaired financing recovered (7,279) (6,292) (24,965) (22,058) (2,415) 11,621 32,256 68,960 A22. Income Attributable to Depositors and Others 4th Quarter Ended Financial Year Ended RM 000 RM 000 RM 000 RM 000 Deposits from customers - Mudharabah fund - - - 420 - Non-Mudharabah fund 397,288 338,492 1,556,913 1,338,027 Deposits from banks - Non-Mudharabah fund 20,334 20,366 79,429 75,397 Financing sold to Cagamas - - - 8,617 Sukuk Murabahah 17,483 11,846 56,679 33,368 435,105 370,704 1,693,021 1,455,829 Included in the income attributable to Mudharabah fund depositors is the utilisation of Profit Equalisation Reserves for distribution of profits to investment account holders amounting to RM3,000 in the previous year. A23. Personnel expenses 4th Quarter Ended Financial Year Ended RM 000 RM 000 RM 000 RM 000 Salaries, allowances and bonuses 3,562 3,503 14,284 13,832 Pension costs 1,068 536 2,717 2,123 Others 704 792 2,247 2,099 5,334 4,831 19,248 18,054 30

A24. Other Overheads and Expenditures 4th Quarter Ended Financial Year Ended RM 000 RM 000 RM 000 RM 000 Establishment costs - Depreciation 89 91 365 377 - Rental 434 424 1,707 1,309 - Insurance 205 126 710 673 - Water and electricity 40 25 168 178 - General repairs and maintenance 89 82 392 480 - Others 228 220 773 686 1,085 968 4,115 3,703 Marketing expenses - Advertisement and publicity 209 34 1,950 2,009 - Others 3,851 3,370 12,211 9,964 4,060 3,404 14,161 11,973 Administration and general expenses - Communication expenses 830 787 3,336 3,579 - Legal and professional fees 1,218 3,196 6,472 9,081 - Others 3,963 6,031 20,509 23,730 6,011 10,014 30,317 36,390 Shared service costs paid/payable to Public Bank Berhad * 95,287 88,997 375,994 350,844 Recovery of expenses (3,375) (3,999) (11,607) (10,599) 103,068 99,384 412,980 392,311 * The type of services rendered by Public Bank Berhad to the Bank in Malaysia are as follows: 4th Quarter Ended Financial Year Ended RM 000 RM 000 RM 000 RM 000 Credit related services 51,038 47,559 203,480 186,342 Non-credit branch support services 28,080 26,436 107,534 106,707 Other administration services 16,169 15,002 64,980 57,795 95,287 88,997 375,994 350,844 31

A25. Earnings Per Share (EPS) The calculation of the basic earnings per share is based on the net profit attributable to the equity holder of the Bank divided by the weighted average number of ordinary shares in issue during the 4th quarter and financial year ended 31 December 2018. 4th Quarter Ended Financial Year Ended RM 000 RM 000 RM 000 RM 000 Net profit attributable to equity holder of the Bank (RM'000) 130,865 108,407 473,997 410,478 Number of ordinary shares at beginning of the period / year ('000) 231,217 231,217 231,217 219,217 Effect of the issuance of shares ('000) - - - 6,115 Weighted average number of shares ('000) 231,217 231,217 231,217 225,332 Basic earnings per share (sen) 56.6 46.9 205.0 182.2 Diluted The Bank has no dilution in its earnings per share in the current and the preceding financial year as there are no dilutive potential ordinary shares. A26. Performance Review The Bank reported a higher pre-tax profit of RM618.6 million for the financial year ended 31 December 2018, which was 15.6% or RM83.7 million higher as compared to pre-tax profit of RM534.9 million for the financial year ended 31 December 2017. The higher profit was primarily due to higher net finance income of RM68.4 million, lower allowance for impairment on financing and advances of RM36.7 million and higher other operating income of RM1.1 million offset by higher other operating expenses of RM21.9 million and higher allowance for impairment on other assets of RM0.6 million. A27. Prospects for 2019 In 2019, the global economy is expected to expand at a more moderate pace across advanced economies and emerging markets. In the advanced economies, growth prospects will be supported by stable labour market conditions. Emerging economies are expected to be supported by steady domestic demand, but softer trade activities could weigh on growth. In particular, growth in China is expected to moderate further amid structural reforms. Going forward, there remains downside risks to global growth arising from further escalation of trade tension, tighter financial conditions and heightened volatility in financial markets. The Malaysian economy grew by 4.7% in 2018 (2017: 5.9%) as private sector activity was offset by lower public sector spending. For 2019, economic growth is expected to be driven by the private sector. Private consumption is expected to be underpinned by stable employment outlook, implementation of higher minimum wages and accommodative financing condition. Meanwhile, private investment is anticipated to be supported by capital outlays, mainly in services and manufacturing sectors. 32

A27. Prospects for 2019 (continued) Inflation is expected to remain contained in 2019 in the absence of strong demand pressure while cost pressure is expected to stay subdued (2018: 1.0%). The Malaysian financial sector remains sound as financial institutions continue to operate with strong capital and liquidity buffers. Bank Negara Malaysia maintained the Overnight Policy Rate at 3.25% in January 2019 as the degree of monetary accommodativeness is consistent with the intended policy stance. The Bank will continue to be supported by ongoing demand for financing in residential properties, passenger vehicles as well as financing to the small and medium enterprises ( SMEs ). The Bank will capitalise on its efficient customer service and extensive network to maintain its market position in the domestic retail segment. With focus on sustaining its operational excellence and efficiency, the Bank continues to adopt prudent and responsible financing practices, while upholding strong corporate governance and compliance culture as well as sound risk management practices. The Bank is committed to enhance access to financing for all SMEs by offering innovative products and services to meet the needs of businesses. Aside from sustaining market position in the SME financing, the Bank will continue to expand its corporate financing business by targeting existing clients with good track record and credit ratings as well as diversify its financing portfolio to other viable business sectors. The Bank will continue to proactively collaborate with AIA PUBLIC Takaful Bhd to remain competitive in the bancatakaful segment, achieve higher penetration as well as enhance the suite of bancatakaful products to meet its customers needs. To remain relevant and achieve long term sustainability, the Bank will continue to focus on improving its delivery standards and infrastructure, particularly its technological infrastructure. In its continuous pursuit to deliver best-in-class customer service, the Bank will continue to leverage on digital technology and innovation to design experience that will make banking simpler and more seamless across multi delivery channels and touchpoints. A28. Subsequent Events There were no material events subsequent to the end of the reporting year that require disclosure or adjustments to the audited condensed interim financial statements. 33