【BIMB 5258 交流专区】回教银行控股

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Type	Announcement
Subject	OTHERS
Description	BIMB HOLDINGS BERHAD ACHIEVED RM430.2 MILLION PBZT FOR HALF YEAR ENDED 2015
The Group’s Profit Before Zakat and Taxation (PBZT) of RM430.2 million for the half year ended 30 June 2015, represents a growth of 7.3% or RM29.1 million as compared to the corresponding period in 2014. The net profit attributable to shareholders of RM265.6 million was higher by RM12.5 million or 4.9% during the same period. Earnings per share rose to 17.26 sen for the period under review compared to 16.95 sen for the corresponding period in 2014. At Bank Islam, PBZT was RM350.3 million for the period under review, an increase of 4.5% or RM15.0 million compared with the corresponding period in 2014. For Bank Islam, an interim single tier dividend of 5.27 sen per ordinary share, amounting to RM123.5 million was proposed by the directors. Approximately 50% of the proposed interim dividend is to be reinvested via the Dividend Reinvestment Plan (DRP). At Takaful Malaysia, PBZT was RM112.0 million, an increase of 11.7% compared with the corresponding period in 2014.

http://www.bursamalaysia.com/market/listed-companies/company-announcements/4865961

Attachments PressRelease1H2015 14092015 FINAL.pdf

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BIMB控股 有能力派息15仙

财经 股市 行家论股  2015-09-18 10:52

目标价：4.80令吉

最新进展
BIMB控股（BIMB，5258，主板金融股）截至6月30日次季净利微扬0.17%，达1亿2989万令吉；营业额增长10.9%，报8亿1470万6000令吉。

累计上半年，净利起4.9%，至2亿6558万9000令吉；营业额走高11.1%，报16亿2378万8000令吉。

根据文告，上半年的税前盈利达4亿3020万令吉，按年增长7.3%。

行家建议
我们保持BIMB控股旗下回教银行本财年13%的贷款增长率，以及净利息赚幅被压缩23个基点的预测。

虽然BIMB控股没有宣布派息，但我们认为这与去年相似，中期股息要到第三季才宣布。

另外，旗下的大马回教保险（TAKAFUL，6139，主板金融股）与兴业回教银行达成10年银行回教保险（Bancatakaful）协议，长期有利BIMB控股。

虽然大马回教保险今年要支付大笔费用给兴业回教银行，不过我们相，该公司仍有能力像去年一样，派发每股15仙的股息。



分析：马银行研究

【南洋网财经】

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資產素質穩定‧回教銀行展望不變

2015-09-23 17:09      
（吉隆坡23日訊）回教銀行（BIMB，5258，主板金融組）第二季業績按年持平，分析員皆表示這符合預期，在無重大因素影響及資產素質穩定下，普遍保持業績展望。

根據馬銀行研究，回教銀行第二季淨利為1億3千萬令吉按年沒成長，符合該行及市場預測。若除去貸款重組與重新安排（R&R）的800萬令吉一次性撥備，該公司第二季淨利其實成長6%。

聯昌研究指出，回教銀行第二季貸款率按年成長18.4%，明顯比其他同行平均的9.1%高出許多。該公司大部份貸款如房貸、融資貸款、交通貸款都得到雙位數成長。

淨金融賺幅下跌
貸款損失撥備激漲

儘管如此，該公司的上半年淨利卻不及貸款率成長，主要歸咎於淨金融賺幅下跌0.10%及貸款損失撥備激漲68.7%至5千600萬令吉。

聯昌表示，回教銀行的資產素質穩定，在呆賬及貸款撥備覆蓋率方面都保持在穩定水平，尤其貸款撥備覆蓋率更是全馬最高。

聯昌估計，在2015財政年每股淨利會因為2013年實施的配股而下跌14.3%，但該行預計在2016及2017財政年裡，該公司的淨盈利成長會分別上揚6%及8.9%。

馬銀行研究表示，回教銀行子公司大馬回教保險（TAKAFUL，6139，主板金融組）與興業回教銀行（RHBIB）的伊斯蘭保險業務（Bancatakaful）發展以長期而言發展正面。大馬回教保險可以在今年保持每股15仙的派息率給回教銀行。

在銀行業消費貸款放緩及消費稅導致消費者信心下跌下，安聯星展下砍回教銀行貸款成長，從15%下修至10%，比回教銀行管理層預計的15%低，但仍高於銀行業平均9.1%。

此外，安聯星展也因特殊撥備比預期高而上調信用成本，但在回銀業務比預計好的情況下下修成本假設。

肯納格研究認為，回教銀行的融資與預支（R&A）成長會繼續萎縮，但仍估計2015財政年的金融成長12%。

肯納格預計，在2015財政年及2017財政年，回教銀行的存款成長率為7%。



（星洲日報／財經‧報導：陳林德）

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朝圣基局董事经理 卸BIMB控股董事

财经新闻 财经  2015-10-11 11:03
（吉隆坡10日讯）朝圣基金局集团董事经理兼总执行长丹斯里依斯米依斯迈，昨日卸下BIMB控股（BIMB，5258，主板金融股）非独立非执行董事的职务。

根据文告，现年50岁的依斯米依斯迈，担任公司董事的任期在昨日届满，因而卸下职位。

在他离职后，BIMB控股的薪酬委员会成员，将只剩主席丹斯里伊斯迈亚当和独立非执行董事拿督再敦哈山。

另外，依斯米依斯迈如今也在大马回教保险（TAKAFUL，6139，主板金融股）担任主席。【南洋网财经】

Date of change	09 Oct 2015
Name	TAN SRI ISMEE BIN ISMAIL
Age	50
Nationality	Malaysia
Designation	Director
Directorate	Non Independent and Non Executive
Type of change	Cessation of Office
Reason	Due to the expiry of Tan Sri Ismee Ismail's tenure on 9 October 2015.
Details of any disagreement that he/she has with the Board of Directors	No
Whether there are any matters that need to be brought to the attention of shareholders	No
Qualifications	(1) Fellowship of Chartered Institute of Management Accountants (CIMA) (United Kingdom)(2) Member of Malaysian Institute of Accountants (MIA)
Working experience and occupation	Present:(1) Group Managing Director & Chief Executive Officer, Lembaga Tabung Haji(2) Chairman, Syarikat Takaful Malaysia BerhadPrevious:(1) Chief Executive Officer & Director, ECM Libra Securities Sdn Bhd & ECM Libra Capital Sdn Bhd(2) Senior General Manager, Lembaga Tabung Haji(3) Senior Vice President, Business & Corporate Development, Medical Online (M) Sdn Bhd(4)  Chief Accountant/Treasurer, Pengurusan Danaharta Nasional Berhad(5) General Manager, Business Development, Arab Malaysian Development Berhad(6)  Accountant, Shell Companies in Malaysia(7) Management Accountant, Arab Malaysian Development Berhad

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企業活動發佈臨陣喊停‧回銀呆賬存隱憂

2015-10-10 10:16      
（吉隆坡9日訊）回教銀行（BIMB，5258，主板金融組）原定昨日公佈集團企業活動，卻臨時喊停，讓投資者納悶不已。

該公司日前通知媒體，集團首席執行員拿督斯里蘇克利沙末和高級管理層將在昨日召開新聞發佈會，公佈集團發展計劃。

不過，該公司週三卻臨時取消上述發佈會，文告也未提及當中原因。

無論如何，該公司的分析員匯報會如常舉行。

呆賬率揚與強勁貸款增長有關

興業研究近期出席該公司分析員匯報會後表示，回教銀行管理層對次季呆賬按季上揚2%，按年大起22%並不感到憂慮，主要是呆賬率上揚與強勁貸款增長有關，而總呆賬率仍低見0.8%。

2015財政年第二季呆賬上揚令人憂慮，縱然管理層信心喊話，分析員仍點名收入增長、流動性趨緊和資產品質將是銀行未來主要挑戰，但相信集團流動性仍強穩，以及領域最高的貸款損失覆蓋率（LLC）將可為集團遮擋風雨。

目前，回教銀行個人貸款總呆賬率為0.6%，而按揭貸款呆賬比則低於1%，加上貸款損失覆蓋率高達167%，為銀行業最高，將為銀行帶來一定的緩衝力。

下半年貸款料急起直追

回教銀行放眼今年貸款增長14至15%，但首半年貸款僅年增11%，管理層預期在良好企業貸款活動下，下半年貸款業務將急起直追。

至於存款率，該行冀望今年存款及投資戶頭成長5%，興業研究認為，其首半年存款增長與貸款相符，資產負債表流動性依舊良好，貸款存款比現企於72%，而銀行仍有能力讓貸款存款比提高至80%，以更好的管理融資賺益。

4大策略首重債務管理

展望明年，興業研究說，回教銀行2016年4大營運策略，將首重債務管理，主要是資產回酬恐難顯著攀升，銀行將著重管理債務的淨利息賺益，以及存款成本，接著為保留資本，以及緊密監察資產素質。

“管理層相信未來領域資產品質將出現惡化，回教銀行將緊密觀察資產品質，以及管理貸款回收來確保資產品質的完好性。”

最後，回教銀行為確保盈利的穩定性，也將延續成本撙節措施。

總體來看，興業認為，收入增長、流動性趨緊和資產品質將是回教銀行未來主要挑戰，但其資產負債表流行性仍強，以及高LLC率將為盈利下行提供緩衝，因此維持其“中和”評級，目標價則提高至4令吉55仙。（星洲日報／財經‧報導：謝汪潮）

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伊銀控股擬內部重組 傳大馬伊銀憶取代上市

財經11 Oct 2015 15:52
（吉隆坡11日訊）伊銀控股（BIMB，5258，主要板金融）進行內部重組傳聞不斷，以確保企業架構更具效率。

財經週刊《The Edge》報導，伊銀控股持有大馬伊斯蘭銀行（Bank Islam），同時還持有伊斯蘭保險（TAKAFUL，6139，主要板金融）60.31%股權，以及BIMB證券（控股）私人有限公司全數股權。

伊銀控股原本要召開記者會交待企業進展，但最后取消。

有領域消息指該公司目前沒有併購活動打算，或考慮進行內部重組，由伊斯蘭銀行取代上市地位。分析師對伊斯蘭銀行取代伊銀控股上市地位的可能性並不驚訝，因該公司早在2013年有此計劃但最后撤銷。

若伊斯蘭銀行取代上市地位，投資者可直接接觸伊斯蘭借貸人，貢獻伊銀控股80%盈利，其他盈利則由伊斯蘭保險貢獻。

一銀行分析師稱：“我不確定伊銀控股是否要在旗下保留一家上市公司，這就可能私有化伊斯蘭保險。這些都只是重組架構的部分可能性。”【中国报财经】

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伊銀控股財測保守 券商仍樂觀看待

財經股市12 Oct 2015 23:00
（吉隆坡12日訊）券商指出，伊銀控股（BIMB，5258，主要板金融）2015財年貸款增幅料介于10%至15%水平之間，客戶存款則預測增加5%。

聯昌證券研究在報告中指出，儘管貸款成長漲勢強勁，但該公司仍對被持續收縮的賺幅困擾。

該報告稱，伊銀控股總執行長拿督斯里祖克里沙末在簡報中列出該公司在2015年的重點預測，其中包括融資成長料將介于14%至15%之間、存款成長5%、稅前淨利預計下跌0.5%和總減值貸款率（Gross Impaired Financing Ratio）減少1.5%。

然而，相較于伊銀控股管理層的保守態度，聯昌證券研究則對該公司盈利前景抱持樂觀心態。該研究預測，伊銀控股貸款將成長16.8%、存款擴張10.8%、稅前淨利成長3.4%及總減值貸款率成長1%。

著手解除貸款風險

不過，基于2013年底附加股的稀釋，聯昌證研究預測伊銀控股于2015財年的每股淨利僅能成長1.6%。

此外，為解決貸款拖欠問題，伊銀控股在過去2至3年間已著手解除貸款風險。例如該公司無抵押貸款比例已從2013年12月的57%減至今年6月的50%。【中国报财经】



BIMB 控股 净利息赚幅续跌
财经 股市 行家论股  2015-10-14 12:44
http://www.nanyang.com/node/728540?tid=462

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BIMB 与Arabesque 探合作

财经新闻 财经  2015-11-14 11:36
（吉隆坡13日讯）BIMB控股（BIMB，5258，主板金融股）宣布，BIMB投资管理昨天已与Arabesque资产管理控股签署了解备忘录，探讨合作范围，包括潜在的策略合伙机会。

根据文告，Arabesque资产管理是一家英国公司，投资策略结合了非金融环境、社会和管理信息，不仅可减轻组合风险，同时还能积极推动表现。

而BIMB投资管理则是获得证监会执照，在国内展开回教基金管理相关业务及活动的公司。

BIMB控股表示，上述备忘录不会对每股净利、每股净资产和负债等，带来任何显著影响。【南洋网财经】

Type	Announcement
Subject	MEMORANDUM OF UNDERSTANDING
Description	BIMB HOLDINGS BERHAD (BHB or the Company)MEMORANDUM OF UNDERSTANDING BETWEEN ARABESQUE ASSET MANAGEMENT HOLDING LIMITED AND BIMB INVESTMENT MANAGEMENT BERHAD.
BIMB Holdings Berhad is pleased to announce that, BIMB Investment Management Berhad (“BIMB Invest”) (Company No. 276246-X) (a wholly-owned subsidiary of Bank Islam Malaysia Berhad), had on 12 November 2015 entered into a Memorandum of Understanding (“MOU”) with Arabesque Asset Management Holding Limited (“Arabesque”) (Company No. 8616986), a company incorporated in United Kingdom. BIMB Invest is licensed by the Securities Commission of Malaysia to carry on the business and activities of an Islamic Fund Management Company in Malaysia. Arabesque was developed in 2011 by Barclays Bank PLC, before its senior management bought out all rights and intellectual property and established it independently in 2013. The firm integrates non-financial environment, social and governance information with quantitative investment strategies to not only reduce portfolio risk but to also actively drive performance. The parties entered into the MOU to identify the areas of co-operation for their mutual benefits including potential strategic partnership in the future. The MOU is not expected to have any material effects on the earnings per share, net assets per share, gearing and share capital of BHB for the financial year ending 31 December 2015. None of the Directors or major shareholders of BHB or Bank Islam Malaysia Berhad or persons connected to them have any interest, direct or indirect, in the MOU. This announcement is dated 13 November 2015.

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派息12.2仙 BIMB第三季净利跌4%

财经新闻 财经  2015-12-01 12:40
（吉隆坡30日讯）BIMB控股（BIMB，5258，主板金融股）截至9月30日第三季，净利滑落4.4%，仅达1亿1982万2000令吉；惟仍派息12.2仙。

同期营业额涨7.8%，报8亿256万2000令吉。

累计首9个月，净利起1.8%，达3亿8541万1000令吉；营业额扬10%，报24亿2635万令吉。

BIMB控股旗下回教银行首9个月的税前盈利增长4.6%，达5亿2960万令吉，归功于业务活动的增长。

其中，税前投资回酬率（ROE）企于18.4%，税前资产回酬率（ROA）则写1.5%。

回银拟发4亿债券BIMB

控股表示，回教银行将持续巩固基建和资源，以获得更多商机，因此计划在12月中旬，另外发出4亿令吉的次季资本票据，以进一步巩固资本地位。

至于回教保险业务的税前盈利，则录得1亿5640万令吉，按年涨9.8%，归功于较高的代理（Wakalah）费用。

营运收入增加10.7%，因回教寿险和回教普险业务都录得较高销售，而且净投资收入也走高。

同时，BIMB控股宣布派发每股12.2仙的中期股息，股东可选择参与股息再投资计划。【南洋网财经】

SUMMARY OF KEY FINANCIAL INFORMATION 30 Sep 2015

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		30 Sep 2015	30 Sep 2014	30 Sep 2015	30 Sep 2014
		$$'000	$$'000	$$'000	$$'000

1	Revenue	802,562	744,485	2,426,350	2,205,977
2	Profit/(loss) before tax	203,989	194,464	634,175	595,533
3	Profit/(loss) for the period	134,670	139,104	434,691	423,502
4	Profit/(loss) attributable to ordinary equity holders of the parent	119,822	125,297	385,411	378,424
5	Basic earnings/(loss) per share (Subunit)	7.77	8.39	25.03	25.34
6	Proposed/Declared dividend per share (Subunit)	12.20	14.70	12.20	14.70
		AS AT END OF CURRENT QUARTER		AS AT PRECEDING FINANCIAL YEAR END
7	Net assets per share attributable to ordinary equity holders of the parent ($$)	2.1900		1.9700

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Type	Announcement
Subject	OTHERS
Description	BIMB HOLDINGS BERHAD (BHB OR COMPANY)DECLARATION OF AN INTERIM SINGLE TIER DIVIDEND FOR THE FINANCIAL YEAR ENDING 31 DECEMBER 2015
The Board of Directors of BHB ("Board") is pleased to announce that the Company has today declared an interim single tier dividend in respect of the financial year ending 31 December 2015 ("Dividend") of 12.2% per ordinary share of RM1.00 each in BHB ("Share(s)") amounting to approximately RM188.15 million based on the issued and paid-up share capital of 1,542,209,734 Shares as at 30 September 2015. The Board had determined that the dividend reinvestment plan ("DRP") (which was approved by the shareholders of the Company (“Shareholders”) at the annual general meeting of BHB on 14 May 2015) will apply to the entire Dividend which will provide the Shareholders with the option to reinvest the Dividend into new Shares. The difference of the current interim dividend of 12.2% per Share and the interim dividend for the same period last year of 14.7% per Share was due to the need for BHB to conserve funds to be utilised for full settlement of profit payment of BHB’s 10-year Islamic securities (“Sukuk”) of RM113.6 million instead of coupon payment of RM25.0 million. The reinvestment of Dividend by the Shareholders in new Shares will enlarge BHB's share capital base and strengthen BHB's capital position. In this respect, BHB had procured an undertaking from Lembaga Tabung Haji, the controlling shareholder of BHB, to reinvest the entire portion of the Dividend it will receive from BHB into new Shares under the DRP in support of the capital management plan of BHB. This announcement is dated 30 November 2015.

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Type	Announcement
Subject	OTHERS
Description	BIMB HOLDINGS BERHAD ACHIEVED RM634.2 MILLION PBZT FOR THE NINE MONTHS ENDED 30 SEPTEMBER 2015
HIGHLIGHTS The Group’s Profit Before Zakat and Taxation (PBZT) of RM634.2 million for the nine  months ended 30 September 2015, represents a growth of 6.5% or RM38.6 million compared with the corresponding period in 2014. The net profit attributable to shareholders also grew by RM7.0 million or 1.8% to RM385.4 million during the same period. Earnings per share for the period under review was 25.03 sen compared with 25.34 sen in the corresponding period in 2014 backed by larger capital base as at 30 September 2015. Net asset per share has improved to RM2.19 as at 30 September 2015 compared with RM1.97 as at 31 December 2014. An interim dividend of 12.2 sen per ordinary share, amounting to RM188.15 million was proposed by the directors. Bank Islam’s PBZT was RM529.6 million for the period under review, an increase of 4.6%  or RM23.3 million compared with the corresponding period in 2014 of RM506.3 million. Takaful Malaysia’s PBZT was RM156.4 million, an increase of 9.8% or RM13.9 million compared with the corresponding period in 2014.

http://www.bursamalaysia.com/market/listed-companies/company-announcements/4936745

Attachments BHB - Press Release 3Q2015 final.pdf

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賺幅跌‧回教銀行財測下調

2015-12-01 16:39      
（吉隆坡1日訊）回教銀行（BIMB，5258，主板金融組）出爐業績普遍符合市場預測，惟分析員認為其未來業務前景轉淡，特別是淨利息賺幅料受擠壓，使大部份分析員稍為下調其淨利預測。

肯納格研究指出，回教銀行2015年首9個月業績符合市場預測，惟由於該行稍為調整假設，使它將其2015年及2016年淨利預測下調7%及1%，分別至5億1千160萬令吉及5億7千740萬令吉。

安聯星展研究指出，回教銀行的股價上升空間有限，主要是疲弱消費者情緒料負面衝擊其貸款增長，特別是它的消費者貸款占總貸款額的60%，主要是個人貸款及房屋貸款，消費情緒走低對其未來業務前景不利。

馬銀行研究指出，回教銀行2015年第三季淨利1億2千萬令吉，使首9個月淨利為3億8千500萬令吉，落後該行及市場全年預測，即分別僅佔70%及71%的全年預測。

馬銀行將回教銀行的2015至2017年的淨利預測下調5至6%，分別至5億2千300萬令吉、5億4千萬令吉、及5億5千700萬令吉。



（星洲日報／財經‧報導：李文龍）


BIMB控股 3因素推动业绩
财经 股市 行家论股  2015-12-03 11:44
http://www.nanyang.com/node/737107?tid=462

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Type	Announcement
Subject	NEW ISSUE OF SECURITIES (CHAPTER 6 OF LISTING REQUIREMENTS) OTHER ISSUE OF SECURITIES
Description	BIMB HOLDINGS BERHAD ("BHB" OR THE "COMPANY")DIVIDEND REINVESTMENT PLAN THAT PROVIDES THE SHAREHOLDERS OF BHB THE OPTION TO ELECT TO REINVEST THEIR INTERIM CASH DIVIDEND IN NEW ORDINARY SHARES OF RM1.00 EACH IN BHB ("PROPOSAL")
We refer to the announcements dated 1 December 2015 and 8 December 2015 in relation to the Proposal. Unless otherwise stated, the terms used herein shall have the same meaning as defined in the said announcements in relation to the Proposal. On behalf of the Board, RHB Investment Bank wishes to announce that the issue price of the new BHB Shares to be issued pursuant to the Proposal has been fixed today (“Price Fixing Date”) at RM3.3885 per new BHB Share. The issue price is computed based on the volume weighted average market price for the five (5) market days (up to and including 7 December 2015) prior to the Price Fixing Date of RM3.8869 minus the interim dividend per BHB Share of 12.20 sen and applying a discount of approximately ten percent (10%). On behalf of the Board, RHB Investment Bank also wishes to announce that the book closure date for the interim dividend and dividend reinvestment plan (“DRP”) shall be 22 December 2015. Barring any unforeseen circumstances, the new BHB Shares arising from the DRP will be listed on the Main Market of Bursa Securities on 26 January 2016. This announcement is dated 8 December 2015.

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EX-date	18 Dec 2015
Entitlement date	22 Dec 2015
Entitlement time	05:00 PM
Entitlement subject	Interim Dividend
Entitlement description	Interim single tier dividend of 12.2%
Period of interest payment	to
Financial Year End	31 Dec 2015
Share transfer book & register of members will be	to   closed from (both dates inclusive) for the purpose of determining the entitlement
Registrar or Service Provider name, address, telephone no	Symphony Share Registrars Sdn BhdLevel 6, Symphony HousePusat Dagangan Dana 1Jalan PJU1A/4647301 Petaling JayaSelangor Darul EhsanHelpdesk Tel: 603-7849 0777
Payment date	22 Jan 2016
a.Securities transferred into the Depositor's Securities Account before 4:00 pm in respect of transfers	22 Dec 2015
b.Securities deposited into the Depositor's Securities Account before 12:30 pm in respect of securities exempted from mandatory deposit
c. Securities bought on the Exchange on a cum entitlement basis according to the Rules of the Exchange.
Number of new shares/securities issued (units) (If applicable)
Entitlement indicator	Percentage
Entitlement in Percentage (%)	12.2000
Par Value	Malaysian Ringgit (MYR) 1.000

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BIMB发售次批回债 总值4亿

财经新闻 财经  2015-12-17 14:42
（吉隆坡16日讯）BIMB控股（BIMB，5258，主板金融股）发行Murabahah次级回教债券计划的第二批债券，总值4亿令吉。

去年10月10日，BIMB控股子公司大马回教银行（Bank Islam Malaysia），已获国行和证监会批准，设立回债计划。

根据文告，该批回债为期10年（5年不可赎回），到期日为2025年12月15日，曾获大马评估机构（RAM）给予“A1/稳定”的评级。

BIMB控股表示，筹资所得将作为回教银行业务的融资、营运资本，以及其他企业活动。【南洋网财经】

Type	Announcement
Subject	OTHERS
Description	BIMB HOLDINGS BERHAD BANK ISLAM MALAYSIA BERHAD'S ISSUANCE OF SUBORDINATED SUKUK MURABAHAH (SUBORDINATED SUKUK MURABAHAH) OF RM400.0 MILLION IN NOMINAL VALUE PURSUANT TO A SUBORDINATED SUKUK MURABAHAH PROGRAMME OF UP TO RM1.0 BILLION IN NOMINAL VALUE (SUBORDINATED SUKUK MURABAHAH PROGRAMME)
BIMB Holdings Berhad (“BHB”) had on 10 October 2014 announced that its wholly-owned subsidiary, Bank Islam Malaysia Berhad (“Bank Islam”), had obtained approvals from Bank Negara Malaysia and the Securities Commission Malaysia to establish the Subordinated Sukuk Murabahah Programme. It was further announced on 22 April 2015 that Bank Islam had on the same day issued the first (1st) tranche of the Subordinated Sukuk Murabahah amounting to RM300.0 million. BHB is pleased to announce that Bank Islam has issued the second (2nd) tranche of the Subordinated Sukuk Murabahah amounting to RM400.0 million under the Subordinated Sukuk Murabahah Programme. The details are as follows:- (a) Issuer : Bank Islam Malaysia Berhad (b) Issue Date : 15 December 2015 (c) Nominal Amount : RM400,000,000.00 (d) Tenure : 10 years non-callable 5 years (e) Maturity Date : 15 December 2025 (f) Details on Utilisation of Proceeds : The proceeds shall be utilised to finance Bank Islam’s Islamic banking activities, working capital requirements and other corporate purposes and/or, if required, to redeem any outstanding Subordinated Sukuk Murabahah issued under the Subordinated Sukuk Murabahah Programme. In any case, all utilisation of proceeds shall be Shariah-compliant. (g) Rating : A1/stable (RAM Rating Services Berhad) The Subordinated Sukuk Murabahah issued under the Subordinated Sukuk Murabahah Programme 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 the Bank in line with the requirements under Basel III. This announcement is dated 15 December 2015.

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Type	Announcement
Subject	NEW ISSUE OF SECURITIES (CHAPTER 6 OF LISTING REQUIREMENTS) OTHER ISSUE OF SECURITIES
Description	BIMB HOLDINGS BERHAD ("BHB" OR THE "COMPANY")DIVIDEND REINVESTMENT PLAN THAT PROVIDES THE SHAREHOLDERS OF BHB THE OPTION TO ELECT TO REINVEST THEIR INTERIM CASH DIVIDEND IN NEW ORDINARY SHARES OF RM1.00 EACH IN BHB ("PROPOSAL")
We refer to the announcements dated 30 November 2015, 1 December 2015, 8 December 2015 and 30 December 2015 in relation to the Proposal. Unless otherwise stated, the terms used herein shall have the same meaning as defined in the said announcements in relation to the Proposal. On behalf of the Board, RHB Investment Bank wishes to announce that BHB will be issuing 46,469,480 new BHB Shares, pursuant to the DRP applied to the interim dividend of BHB in respect of the financial year ended 31 December 2015, based on the valid Dividend Reinvestment Forms received by Symphony Share Registrars Sdn Bhd, the Share Registrar for the Proposal, as at the expiry date of the DRP on 13 January 2016. The new BHB Shares to be issued represent approximately 84.01% of the total number of  55,317,300 new BHB Shares that would have been issued pursuant to the DRP, had all the eligible entitled shareholders elected to reinvest their respective electable portions into new BHB Shares. The said new BHB Shares are expected to be listed on the Main Market of Bursa Securities on 26 January 2016. This announcement is dated 18 January 2016.

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BIMB HOLDINGS BERHAD

1. Details of Corporate Proposal
Involve issuance of new type/class of securities ?	No
Types of corporate proposal	Others
Details of corporate proposal	Dividend Reinvestment Plan
No. of shares issued under this corporate proposal	46,469,480
Issue price per share ($$)	Malaysian Ringgit (MYR)   3.3885
Par Value ($$)	Malaysian Ringgit (MYR)   1.000
Latest issued and paid up share capital after the above corporate proposal in the following
Units	1,588,679,214
Currency	Malaysian Ringgit (MYR) 1,588,679,214.000
Listing Date	26 Jan 2016

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Type	Announcement
Subject	OTHERS
Description	BIMB HOLDINGS BERHAD ("BHB")ANNOUNCEMENT OF HEADLINE KEY PERFORMANCE INDICATORS ("KPIs") FOR FINANCIAL YEAR ENDING 31 DECEMBER 2016 ("FYE 2016")
BHB wishes to announce the Headline KPIs for BHB Group for FYE 2016. These Headline KPIs have been set and agreed by the Board and Management of BHB as part of a broader KPIs framework that the BHB Group has in place. The Headline KPIs are as follows: Headline KPIs FYE 2016 Return on Equity (ROE) (1) 20 % Return on Assets (ROA) (1) 1.3 % Note:- (1)     Based on Profit Before Zakat and Taxation. The Headline KPIs set by BHB reflect the BHB Group’s main corporate targets in pursuing sustainable financial results. In this respect, please note that these Headline KPIs are targets or aspirations set by BHB as a transparent performance management practice. This announcement of Headline KPIs is as prescribed under the Government-Linked Companies (“GLC”) Transformation Programme is disclosed on a voluntary basis and shall not be construed as forecasts, projections or estimates of the BHB Group or representations of any future performance. This announcement is dated 22 January 2016.

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Name	LEMBAGA TABUNG HAJI
Address	201, JALAN TUN RAZAK PETI SURAT 11025 KUALA LUMPUR 50732 Wilayah Persekutuan Malaysia.
NRIC/Passport No/Company No.	ACT 5351995
Nationality/Country of incorporation	Malaysia
Descriptions (Class & nominal value)	ORDINARY SHARE OF RM1.00 EACH
Name & address of registered holder	LEMBAGA TABUNG HAJI201, JALAN TUN RAZAKPETI SURAT NO. 1102550400 KUALA LUMPUR

Details of changes

Currency: Malaysian Ringgit (MYR)

Type of transaction	Description of Others	Date of change	No of securities	Price Transacted (RM)
Acquired		26 Jan 2016	30,876,700

Circumstances by reason of which change has occurred	PURSUANT TO DIVIDEND REINVESTMENT PLAN
Nature of interest	DIRECT
Direct (units)	856,954,000
Direct (%)	53.941
Indirect/deemed interest (units)
Indirect/deemed interest (%)
Total no of securities after change	856,954,000
Date of notice	28 Jan 2016

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Name	EMPLOYEES PROVIDENT FUND BOARD
Address	TINGKAT 19, BANGUNAN KWSP JALAN RAJA LAUT KUALA LUMPUR 50350 Wilayah Persekutuan Malaysia.
NRIC/Passport No/Company No.	EPF ACT 1991
Nationality/Country of incorporation	Malaysia
Descriptions (Class & nominal value)	ORDINARY SHARE OF RM1.00 EACH
Name & address of registered holder	(1) EMPLOYEES PROVIDENT FUND BOARD;(2) EMPLOYEES PROVIDENT FD BD (KIB);(3) EMPLOYEES PROVIDENT FD BD (ARIM); AND(4) EMPLYS PRVNT FD BD (ASIANISLAMIC) ICCITIGROUP NOMINEES (TEMPATAN) SDN BHDLEVEL 42, MENARA CITIBANK165 JALAN AMPANG50450 KUALA LUMPUR

Details of changes

Currency: Malaysian Ringgit (MYR)

Type of transaction	Description of Others	Date of change	No of securities	Price Transacted (RM)
Acquired		26 Jan 2016	5,957,300
Acquired		26 Jan 2016	21,300
Acquired		26 Jan 2016	57,600
Acquired		26 Jan 2016	55,300

Circumstances by reason of which change has occurred	SHARES DERIVED FROM DIVIDEND REINVESTMENT PLAN
Nature of interest	DIRECT
Direct (units)	200,391,201
Direct (%)	12.614
Indirect/deemed interest (units)
Indirect/deemed interest (%)
Total no of securities after change	200,391,201
Date of notice	27 Jan 2016