REPORT CARDLEMBAGA TABUNG HAJIJanuary - December 2019

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

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ING

ASS

ETS

NO

N-P

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RMIN

GA

SSET

S

ASS

ET

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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