• Business Model
• Operating Environment
• Strategy and Resource Allocation
• Stakeholders
• Materiality
• Management Approach
• Outlook

BUSINESS MODEL

Banks, like all other organizations, utilize diverse stocks of value, herein referred to as ‘capitals’ to generate value over time. Through the business processes of the Bank the capitals that are used are increased, decreased and transformed into different forms of capitals.

The capitals as defined in the classification used by the Bank and the value creation process are depicted in the diagram below:

Increasing one capital often involves, sacrifice of another capital at least in the short-term. For example when the Bank conducts training for its employees this involves use of financial capital to build human capital. However, use of capital does not always involve such trade-offs. In developing Islamic Finance products and Micro Finance products the Bank is building financial capital as well as social and relationship capital.