Bank Islam Integrated Annual Report 2020

51.1 91.5 0.0 20.0 40.0 60.0 80.0 100.0 120.0 140.0 1Q2015 2Q2015 3Q2015 4Q2015 1Q2016 2Q2016 3Q2016 4Q2016 1Q2017 2Q2017 3Q2017 4Q2017 1Q2018 2Q2018 3Q2018 4Q2018 1Q2019 2Q2019 3Q2019 4Q2019 1Q2020 2Q2020 3Q2020 4Q2020 1Q2021 CONSUMER SENTIMENT INDEX (CSI), POINTS Žȶ ѵѳѵѴӗ ɽȃlj ǼɨɁʥɽȃ ɽɨƃȚljƺɽɁɨʰ Ȉɰ ljʯɥljƺɽljǁ ɽɁ ȈȴɥɨɁʤlj ʥȈɽȃ ɰʍɥɥɁɨɽ ǹɨɁȴ ɽȃlj ɽʍɨȶƃɨɁʍȶǁ Ȉȶ ɥʍƹȢȈƺ ƃȶǁ ɥɨȈʤƃɽlj ɰljƺɽɁɨ ljʯɥljȶǁȈɽʍɨlj ƃȴȈǁ ƺɁȶɽȈȶʍljǁ ɰʍɥɥɁɨɽ ǹɨɁȴ ɥɁȢȈƺʰ ȴljƃɰʍɨljɰ ӗ ƃȶǁ ȃȈǼȃljɨ ɥɨɁǁʍƺɽȈɁȶ ǹɨɁȴ ljʯȈɰɽȈȶǼ ƃȶǁ ȶljʥ ǹƃƺȈȢȈɽȈljɰ Ȉȶ ɽȃlj ȴƃȶʍǹƃƺɽʍɨȈȶǼ ƃȶǁ ȴȈȶȈȶǼ ɰljƺɽɁɨɰӝ ěȃlj ʤƃƺƺȈȶlj ɨɁȢȢӸɁʍɽӗ ʥȃȈƺȃ ȃƃɰ ƹljljȶ Ȉȶ ɥɨɁǼɨljɰɰ ɰȈȶƺlj ljƃɨȢʰ ѵѳѵѴӗ Ȉɰ ƃȢɰɁ ɨȈɰȈȶǼ ɰljȶɽȈȴljȶɽɰ ƃȶǁ ǼɨɁʥɽȃ ɥɨɁȚljƺɽȈɁȶɰӝ {AĀ ǼɨɁʥɽȃ ǹɁɨ ѵѳѵѴ Ȉɰ ljʯɥljƺɽljǁ ɽɁ ljʯɥƃȶǁ ƃɽ ŽÃyӖ ѹӝѳՐӝ ǁʤƃȶƺljǁ ljƺɁȶɁȴȈljɰ ɰʍƺȃ ƃɰ ɽȃlj ĩČ ƃɨlj ljʯɥljƺɽljǁ ɽɁ ǼɨɁʥ ƃɽ ŽÃyӖ ѹӝѷՐӗ KʍɨɁɥlj ƃɽ ŽÃyӖ ѷӝѷՐӗ ƃȶǁ °ƃɥƃȶ ƹʰ ŽÃyӖ ѶӝѶՐ ɨljɰɥljƺɽȈʤljȢʰӝ 9Çà ǹɁɨljƺƃɰɽ Ɂǹ {AĀ ǼɨɁʥɽȃ ɨƃɽlj ǹɁɨ ѵѳѵѴ Ȉɰ ƃɽ ѹӝѸՐ ɽɁ ѺӝѸՐӗ ƃȶǁ ɽȃlj ɁʍɽȢɁɁȟ ɨljȴƃȈȶɰӗ ɰʍƹȚljƺɽ ɽɁ ǁɁʥȶɰȈǁlj ɨȈɰȟɰӗ ȶɁɽȈȶǼ ɽȃƃɽ ɽȃlj ɥɨȈȴƃɨʰ ǁɁʥȶɰȈǁlj ɨȈɰȟ ɽɁ ǼȢɁƹƃȢ ǼɨɁʥɽȃ Ȉɰ ɽȃlj ɨljɰʍɨǼljȶƺlj Ɂǹ :ÝřŽAӸѴѼ ƺƃɰljɰӗ ȢljƃǁȈȶǼ ɽɁ ɽȃlj ɨljȈȶɽɨɁǁʍƺɽȈɁȶ Ɂǹ ƺɁȶɽƃȈȶȴljȶɽ ȴljƃɰʍɨljɰӝ BANKING SECTOR REVIEW & OUTLOOK 9ƃȶȟɰ ȃƃʤlj ƃȢɰɁ ƹljljȶ ɰɽɨʍƺȟ ƹʰ ɽȃlj ɥƃȶǁljȴȈƺӗ ʥȈɽȃ ɨljǁʍƺljǁ ljƃɨȶȈȶǼɰ ƹʍɽ ȃȈǼȃ ƺƃɥȈɽƃȢ ƃȶǁ ȢȈɧʍȈǁȈɽʰ ƹʍǹǹljɨɰӝ ŚȈɽȃ ƃ ƺȃƃȢȢljȶǼȈȶǼ ljƺɁȶɁȴȈƺ ƃȶǁ ɨljƺljɰɰȈɁȶƃɨʰ ǹɁɨljƺƃɰ ɽ ƃƺɨɁɰ ɰ ɽȃlj ǼȢɁƹlj ƃȴȈǁ ȢɁƺȟǁɁʥȶɰ ƃȶǁ ɨljɰɽɨȈƺɽȈɁȶɰӗ ƹƃȶȟɰ ƃȶǁ ǹȈȶƃȶƺȈƃȢ ȈȶɰɽȈɽʍɽȈɁȶɰ ʥljɨlj ljʯɥljƺɽljǁ ɽɁ ȶɁɽ ɽʍɨȶ ƃ ƹȢȈȶǁ ljʰlj ɽɁ ɽȃlj ȶljljǁ ǹɁɨ ɰɽɨʍƺɽʍɨƃȢ ɨljǹɁɨȴɰ Ȉȶ ɽȃlj ȴȈǁ ɽɁ ȢɁȶǼ ɨʍȶӝ 9ƃȶȟɰ ƃɨlj ƃȢɰɁ ljʯɥljƺɽljǁ ɽɁ ljȶȃƃȶƺlj ɽȃljȈɨ ƹʍɰȈȶljɰɰ ƺɁȶɽȈȶʍȈɽʰ ɥȢƃȶ ɽɁ ȈȴɥɨɁʤlj ɽȃljȈɨ ƺƃɥƃƺȈɽʰ ɽɁ ɥɨljɥƃɨlj ǹɁɨ ǹʍɽʍɨlj ƺɨȈɰȈɰӝ Žȶ ɽȃlj ƹƃȶȟȈȶǼ ɰljƺɽɁɨӗ ʥȈɽȃ ɽȃlj ǼɨƃǁʍƃȢ ɥȈƺȟȈȶǼ ʍɥ Ɂǹ ljƺɁȶɁȴȈƺ ƃƺɽȈʤȈɽʰӗ ȟljʰ ȈȶǁȈƺƃɽɁɨɰ ɥɁȈȶɽljǁ ɽɁ ƃȶ ʍɥɽȈƺȟ Ȉȶ ljʯɽljɨȶƃȢ ǁljȴƃȶǁ ƃȶǁ ƺɁȶɽ Ȉȶʍljǁ ƺɁȶɰʍȴljɨ ɰɥljȶǁȈȶǼӝ {ɨɁʥɽȃ Ȉɰ ɥɨɁȚljƺɽljǁ ǹɨɁȴ ɽȃlj ɰljƺɁȶǁ ɧʍƃɨɽljɨ Ɂǹ ѵѳѵѴӗ ǁɨȈʤljȶ ƹʰ ƃ ɨljƺɁʤljɨʰ Ȉȶ ɽȃlj ǼȢɁƹƃȢ ȴƃɨȟljɽӗ ƃȶ Ȉȶƺɨljƃɰlj Ȉȶ ɥʍƹȢȈƺ ƃȶǁ ɥɨȈʤƃɽlj ljʯɥljȶǁȈɽʍɨlj ɰʍɥɥɁɨɽljǁ ƹʰ ʤƃɨȈɁʍɰ ɥɁȢȈƺʰ ȈȶȈɽȈƃɽȈʤljɰӗ ȈȴɥɨɁʤljȴljȶɽɰ Ȉȶ ɽȃlj ȴƃȶʍǹƃƺɽʍɨȈȶǼ ɰljƺɽɁɨɰӗ ɁȈȢ ƃȶǁ Ǽƃɰ ǹƃƺȈȢȈɽȈljɰӝ Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 56.4% -40.0 -20.0 0.0 20.0 40.0 60.0 80.0 y-o-y% RETAIL TRADE, y-o-y% BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 43 y-o-y% -0.5% -20.0 -15.0 -10.0 -5.0 0.0 5.0 10.0 1Q2016 2Q2016 3Q2016 4Q2016 1Q2017 2Q2017 3Q2017 4Q2017 1Q2018 2Q2018 3Q2018 4Q2018 1Q2019 2Q2019 3Q2019 4Q2019 1Q2020 2Q2020 3Q2020 4Q2020 1Q2021 GDP GROWTH, y-o-y% Source: Department of Statistics, Malaysia.