2706020 venglish kad laporan tahunan 2019 lembaga …
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ASSET SURPLUSOVER LIABILITY
INCOME
PROFIT
3.2 BILLION
3.3 BILLION
1.9 BILLION
(before pro�t distribution to depositors)
(before distribution to depositors)
Fixed income assetinvestment
RM1.9 billion
Fixed income assetinvestment
Propertyinvestment
RM0.5 billion
Propertyinvestment
Islamic moneymarkets instrument
RM0.4 billion
Equityinvestment
RM0.5 billion
TH IS ON TRACK TO FURTHER ENHANCE ITSSERVICES FOR DEPOSITOR
2019 FINANCIAL PERFORMANCEHIGHLIGHTSFOR THE PERIOD OF JANUARY - DECEMBER 2019
Driven by sustainable investment strategies and prudent cost management measures.
Income generated from:
For the period of January until December 2019 :More than 300,000 new depositorshave been opened.
TOTAL DEPOSITRM 69.4 Billion
THE SUPPORT & CONFIDENCE OF DEPOSITORS REMAIN INTACT
TH REPORT CARDJanuary - December 2019
IMPROVED PERFORMANCE ANDFINANCIAL POSITION
31 December 2019
STRUCTURING &RECOVERY PLANSFOR THE PERIOD OF JANUARY - DECEMBER 2019
Asset that have decreased in value and become less competitive are transferredto a government-owned SPV for rehabilitation
TH REPORT CARDJanuary - December 2019
RM9.6b Sukuk 210 year, Zero coupon
yield of 4.10% p.a
RM10b Sukuk 17 year, Zero Coupon
yield of 4.05% p.a
Assets with current value ofRM9.7b is transferred at RM19.9b1)
106 stocks experiencing a valuedrop of more than 20% andimpairment loss of morethan RM45 million
2)
1 unlisted plantationcompany with zero returns3)
29 properties and land witha return rate of less than 2%4)
Deficit position of RM10Bcompromises the stability of TH
*de�cit due to impairment / loss of investment value
PERF
ORM
ING
ASS
ETS
NO
N-P
ERFO
RMIN
GA
SSET
S
ASS
ET
RESP
ON
SIBI
LITY
HAJJ OPERATION1440H/2019M HAJJ SEASON
HAJJPAYMENTRM9,980
HAJJ COSTRM22,900
HAJJASSISTANCE
RM12,920
HAJJ ASSISTANCEPERCENTAGE
56.4%
Includes charter �ight ticket prices, accommodation, transportation & meals
as well as payment to Saudi Arabia authorities for a stay period of more than
40 days.
H A J J CO S TM UA S S A S A H
RM22,9001440H/2019M
Muassasah Hajj Payment
RM9,980 (First-time hajj pilgrims)
30,200MALAYSIAHAJJ QUOTA
people
TH provided 19 accommodations to pilgrims in the Holy Land; 5 in Medina and
14 in Mecca.
Accommodation
Provided 'Ready to Eat Meals' for pilgrims in the Holy Land to
ensure cleanliness & safety.
Meals
A total of 69 charter flights provided by TH for the pilgrims
to the Holy Land-Homeland began on 3 July 2019 and
ended on 13 September 2019.
Flights
Air conditionedcamps in Arafah &
tiled flooring in Mina's tents.
Air Conditioner
The hajj cost borne by THis more than RM300 million.
Hajj Assistance
Pre-Departure by Saudi Arabian Immigration has shorten the immigration process upon arrival of pilgrims at Saudi
Arabia Airport.
Pre-Departure
PASSPORT
VISAVISA
1440H/2019M HAJJ SEASON OPERATION COMPLETEDMANAGED SMOOTHLY WITHOUT ANY OCCURANCE OF MAJOR INCIDENTS
TH REPORT CARDJanuary - December 2019
INTRODUCTION OF PRINCIPAL POLICYTO STRENGTHEN THE BUSINESS
AN ISLAMIC INSTITUTION RESPECTED FOR IT’SPERFORMANCE AND GOVERNANCE
OPERATION
Performs shariah-complianttransactions
Building a workforce of Professional Mukmin
PEOPLE
Respected for goodgovernance & management
GOVERNANCE
Prudently managingthe assets of the Muslims
FUND ADMINISTRATION
Facilitating & assisting Muslims inperforming the 5th pillar of Islam
HAJJ MANAGEMENT
TH GROUPS Contributes to the development
of the halal economy
MODEL MALAYSIA | GOVERNANCE
MAQASID |TAKE CARE OF THE PROPERTY RAHMATAN LIL’ALAMIN | INSANIAH MAQASID | RELIGION AFFAIRS
MODEL MALAYSIA | ISLAMIC FINANCE
MODEL MALAYSIA | ISLAMIC ECONOMICS
OperationalReview
Talent Review (Right Fit)AMLA & Compliance EnhancementIntegrity Review
CostManagement
Business Refinancing (UK Properties)In-Sourcing of IT Infrastructure & Resources
Governance & StrategicManagement
Strategic Building Blocks2019 - 2020New Business Operating Model
Proposed New StrategicAsset Allocation (SAA)Corporate Restructuring of Investee CompaniesDivestment of Non-coreAssets
OptimisingReturns
Financial & RiskManagement
Liquidity Management Plan - ImplementationLiquidity Standby FacilitiesHajj Subsidy for 2019 to be maintainedIntroduced Cut Loss Policy
TH REPORT CARDJanuary - December 2019
Ringgit
Malaysia
TABUNG HAJI
RM
PROFESSIONAL SAVINGS MANAGEMENT& EXCELLENT CUSTOMER SERVICE
Passbookless
Papperless service offering without the use of Savings Account Book.
Customer Satisfaction Index (CSI)
Great Customer Experience with a Customer Satisfaction Index of over 99%.
Touch Points
Over 10,000 Touch Points through Counters, ATMs, CDMs and Internet portals collaboration with TH’s
Strategic Partners.
International Organisation of Standardisation (ISO)
Savings Management & Customer Service which meet the Standard MS ISO 9001: 2015.
Wakalah
Transition to a Wakalah concept savings contract which adds value & benefits to depositors.
New Account Opening
More than 300 thousand additional new depositors with a total deposit of RM 175.34 million.
TH REPORT CARDJanuary - December 2019
SUBSIDIARIES’ SYNERGY
FINANCIAL PERFORMANCEActive & encouraging improvement in the TH Subsidiaries’ performance which contributeto the economy (as at 30 September 2019).
8.9%RM646.2 MillionIMPROVEMENT
> RM900 Million
ESG Trust FundThird World &
First in Malaysia41.8%
RM332.2 MillionIMPROVEMENT
22,300Pilgrims
PROVIDING SERVICESVisa & Passport, Flight Operation Matters,
Airport Departures & Catering
Monetisationof
TH CustomerBase
CrossMarketing &
BusinessRefferals
SharedServicesPlatform
Leveraging onValue Chain
&Procurement
PreferredService
Providers
Optimisationof Group
Resources
Group WideCSR
Activities
With a strong strategic cooperation between its subsidiaries, TH is able to enhance its future achievements.
SUBSIDIARIES’SYNERGY
TH REPORT CARDJanuary - December 2019
TH Is ReadyTo
Assist You
ZAKAT PROGRAMME TH has made zakat payment for 2018 to all State Zakat Centers across the country.
RM85Million
ZAKAT PROGRAMME & CORPORATE SOCIAL RESPONSIBILITYACTIVITIES (CSR)
RM85Million
2018 ZakatPayment
IKHTIAR PROGRAMMEBusiness capital injection.
RM450 Thousands3 selected states; of Kuala Lumpur, Selangor & Kedah.
IQRA’ PROGRAMME Educational assistance for asnaf students.
RM5 MillionMore than 2,200 students received financial assistance for their tertiary education.
MOBILITI PROGRAMMEThe donation of 25 dual-purpose vehicles to selected mosques nationwide.
RM3 MillionAll states except Sabah & Sarawak.
CSR PROGRAMMEIn 2019 TH implemented three CSR programmes :
RM9.3 MillionTOTAL DONATION
Engagement of28 Companies
1 MillionGROUP MEMBERS
Since itsestablishment in 2008
779 ThousandsGROUP MEMBERS
Since itsestablishment in 2010
TH REPORT CARDJanuary - December 2019