Bank Islam Integrated Annual Report 2020

2020 K E Y H I G H L I G H T S 22 Over v iew of Bank I s lam Key Message Value Creat ion at Bank I s lam Performance Highlights Credit Ratings (RAM Ratings) Long-term rating: Short-term rating: Outlook: AA3 STABLE P1 Asset Growth 10.4% Revenue Contraction (4.6%) Profit Contraction (PBZT) (13.7%) Financing Growth 10.5% Net Impaired Financing -1.0%