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The report outlines brand promise and core values, guiding principles across client experience, people development, and responsible conduct. 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Hamad bin Isa Al Khalifa  \nThe King of the Kingdom of Bahrain  \nHis Royal Highness Prince Salman bin HamadAl Khalifa  \nThe Crown Prince, Deputy Supreme Commander and Prime Minister  \nTable of Contents  \nStrategic Report  \n\n| 06 Corporate Profile\u003Cbr>07 Our Brand Promise and Values\u003Cbr>08 Our Guiding Principles\u003Cbr>12 Financial Highlights\u003Cbr>13 Operational Highlights\u003Cbr>15 Board of Directors\u003Cbr>20 Fatwa Shari’a Supervisory Board\u003Cbr>22 Executive Management Team\u003Cbr>34 Board of Directors’ Report to the Shareholders\u003Cbr>38 Message from the Group Chief Executive Officer\u003Cbr>42 Management Review of Operations and Activities\u003Cbr>Corporate Governance |\n| --- |\n| 50 Corporate Governance Report\u003Cbr>63 Organizational Structure\u003Cbr>65 Remuneration Policy\u003Cbr>72 Risk Management & Compliance\u003Cbr>74 Corporate Social Responsibility\u003Cbr>75 Fatwa & Shari’a Supervisory Board Report to the Shareholders\u003Cbr>Financial Statements |\n\n79 Independent Auditors’ Report  \n84 Consolidated Statement of Financial Position  \n85 Consolidated Income Statement  \n86 Consolidated Statement of Changes in Equity  \n87 Consolidated Statement of Cash Flows  \n88 Notes to the Consolidated Financial Statements  \n149 Basel lll – Pillar lll Disclosures  \nCorporate Profile  \nEstablishing its headquarters in the Kingdom of Bahrain in 2006, Al Salam Bank has since cemented its reputation as the fastest growing Bank in the Kingdom and a highly influential force in the Islamic banking industry on a regional level. Leveraging on its robust financial standing as the industry’s strongest in asset capital, the Bank has a proven track record in risk mitigation and effectively shifting to market dynamics, through its agile and aggressive growth strategy.  \nThe Bank has adopted a digital-first mindset to meet the modern-day needs of its clientele, delivering curated financial solutions and a seamless, transformative customer experience. Harnessing the power of data-backed insights and state-ofart technology, Al Salam Bank offers a comprehensive range of innovative and unique Shari’a-compliant financial products and services through its extended network of branches and ATMs. In addition to its diverse range of retail banking services, the Bank also provides corporate banking, private banking, asset management, international transaction banking as well as treasury services.  \nAl Salam Bank’s competitive edge lies in its unrivalled approach to nurturing client relationships, fuelled by a deeply-rooted ethos in humanizing the customer journey through personalization, convenience, and efficiency, creating a refined and rewarding client experience. The Bank prides itself on its solution-oriented philosophy, curating tailored solutions with its clients’ financial needs at the epicenter of everything they do.  \nWith a Bahrainization rate of 92%, Al Salam Bank considers its people to be its most valued asset. The Bank has prioritized the wellbeing of its human capital, empowering them with the requisite tools, training and opportunities to create an inspired workforce dedicated to the pursuit of excellence. Championinga highly energetic and collaborative work environment, Al Salam Bank fosters a culture of innovation which celebrates collective achievements.  \nEncouraging a socially responsible culture from within to drive positive change, the Bank is committed to supporting the social and financial wellbeing of the community in which it resides. Driven by the shared passion of its people to form deep relationships with clients, the Bank aims to create solutions to help its customers meet their financial goals in a sustainable manner.  \nAl Salam Bank B.S.C. | Annual Report 2022 7  \nOur Brand Promise  \nWe nurture relationships by enriching experiences.  \nOur Values  \n􀁹 We are empowered by our human desire to make a difference  \n􀁹 We are passionate by nature in all","cbCaigs1316azIKx","https://ap.wps.com/l/cbCaigs1316azIKx","pdf",8403148,184,"English","# Strategic Report\n## Corporate Profile\n## Our Brand Promise and Values\n## Our Guiding Principles\n## Financial Highlights\n## Operational Highlights\n## Board of Directors\n## Fatwa Shari’a Supervisory Board\n## Executive Management Team\n## Board of Directors’ Report to the Shareholders\n## Message from the Group Chief Executive Officer\n## Management Review of Operations and Activities\n## Corporate Governance\n# Corporate Governance\n## Corporate Governance Report\n## Organizational Structure\n## Remuneration Policy\n## Risk Management & Compliance\n## Corporate Social Responsibility\n## Fatwa & Shari’a Supervisory Board Report to the Shareholders\n# Financial Statements\n## Independent Auditors’ Report\n## Consolidated Financial Position\n## Consolidated Income Statement\n## Consolidated Statement of Changes in Equity\n## Consolidated Statement of Cash Flows\n## Notes to the Consolidated Financial Statements\n## Basel III – Pillar III Disclosures","[{\"question\":\"What is the main focus of Al Salam Bank’s Annual Report 2022?\",\"answer\":\"The report focuses on strategy, corporate profile, brand promise and values, governance, and key financial and operational highlights, followed by audited financial statements and regulatory disclosures.\"},{\"question\":\"How does the bank describe its approach to customers and technology?\",\"answer\":\"The bank emphasizes a digital-first mindset and data-backed insights to deliver curated, Shari’a-compliant financial products and a seamless customer experience through its branch and ATM network.\"},{\"question\":\"What governance and compliance areas are covered in the report?\",\"answer\":\"The report includes board and committee structures, a board report to shareholders, risk management and compliance, corporate social responsibility, and Fatwa/Shari’a supervisory reporting.\"}]","Al Salam Bank B.S.C. - Annual Report 2022 | PDF",464]