Bank Islam Integrated Annual Report 2020

ČÝ:ŽÝӳK:ÝÇÝÎ: AŽČĄĩĀěŽÝÇ Description Our Response and Related Strategy Impact Outlook • ɰ ɽȃlj ɥɨɁʤȈǁljɨ Ɂǹ ljɰɰljȶɽȈƃȢ ɰljɨʤȈƺljɰӗ ƹƃȶȟɰ ȃƃʤlj ȃƃǁ ƃ ƺɨȈɽȈƺƃȢ ɨɁȢlj Ȉȶ ʍ ȶ ǁ lj ɨ ɰ ɽ ƃ ȶ ǁ Ȉ ȶ Ǽ ƺ ʍ ɰ ɽ Ɂȴlj ɨ ɰ ԇ ljʯɽɨƃɁɨǁȈȶƃɨʰ ǹȈȶƃȶƺȈƃȢ ɰɽɨljɰɰ ƃȶǁ ȈȶɰljƺʍɨȈɽȈljɰӗ ȴƃȈȶȢʰ ɽɨȈǼǼljɨljǁ ƹʰ ɽȃlj Ȉȴɥƃƺɽ ǹɨɁȴ :ÝřŽAӸѴѼӝ • ěȃlj {ȈǼ KƺɁȶɁȴʰ ӯɰljȢǹӸljȴɥȢɁʰljǁӰ ƺɁȶɽȈȶʍljɰ ɽɁ ɨȈɰlj ƃɰ ȴɁɨlj ƃȶǁ ȴɁɨlj ɥljɁɥȢlj ƃɨlj ǹȈȶǁȈȶǼ ʥƃʰɰ ɽɁ ƃȢȢljʤȈƃɽlj ɽȃljȈɨ ljƺɁȶɁȴȈƺ ǁȈǹǹȈƺʍȢɽȈljɰ ƃȶǁ ȢɁɰɰ Ɂǹ ȈȶƺɁȴlj ǁʍlj ɽɁ ɽȃlj ɥƃȶǁljȴȈƺӝ Žȶ ѵѳѴѼӗ Ѵ Ȉȶ ljʤljɨʰ ѷ ÃƃȢƃʰɰȈƃȶ Ȉɰ ƃ ǼȈǼ ʥɁɨȟljɨӗ ƃȶǁ ɽȃlj ɽɨljȶǁ Ȉɰ ɰljɽ ɽɁ ƺɁȶɽȈȶʍlj Ȉȶ ȢȈǼȃɽ Ɂǹ ɽȃlj ƺɁȶɽȈȶʍȈȶǼ ljƺɁȶɁȴȈƺ ʍȶƺljɨɽƃȈȶɽʰӝ • ÃɁʤljȴljȶɽ ɨljɰ ɽ ɨ Ȉ ƺ ɽ Ȉ Ɂȶɰ ӗ ɰ ƃ ǹ ljɽ ʰ ɥɨɁɽɁƺɁȢɰӗ ƃȶǁ ɰʍɥɥȢʰ ƺȃƃȈȶ Ȉɰɰʍljɰ ƃǹ ǹljƺɽljǁ ƹɁɽȃ ȈȶǁȈ ʤ ȈǁʍƃȢ ɰ ƃȶǁ ƹʍɰȈȶljɰɰljɰԇ ɥɨɁǁʍƺɽȈʤȈɽʰӗ ȈȶƺɁȴlj ɥɁɽljȶɽȈƃȢӗ ƃȶǁ ƃƹȈȢȈɽʰ ɽɁ ǹʍȢǹȈȢ ɽȃljȈɨ ǹȈȶƃȶƺȈƃȢ ƺɁȴȴȈɽȴljȶɽɰ ǹʍȢȢʰӝ ɰ ƃ ɨljɰʍȢɽӗ ƹƃȶȟɰ ǹƃƺljǁ ƺɨljǁȈɽ ȢɁɰɰljɰ ƃȶǁ ƺɨljǁȈɽ ȴȈɰƃȢȢɁƺƃɽȈɁȶɰ ʥȈɽȃ ɽȃljȈɨ ȢȈɧʍȈǁȈɽʰ ƃȶǁ ɥɨɁǹȈɽƃƹȈȢȈɽʰ Ȉȴɥƃƺɽljǁӗ ȴƃȈȶȢ ʰ ǁʍlj ɽɁ ɽȃlj ȴƃȶǁƃɽljǁ ȴɁ ɨ ƃ ɽ Ɂ ɨ Ȉ ʍȴɰ ƃȶǁ ɨ ljɥƃʰȴljȶɽ ƃɰɰȈɰɽƃȶƺljӝ • 9ʍɰȈȶljɰɰljɰ ȶljljǁljǁ ɽɁ ɰʥȈǹɽȢʰ ɨljɰɥɁȶǁ ɽɁ ɽȃlj ȶljʥ ȴƃɨȟljɽ ljȶʤȈɨɁȶȴljȶɽ ƃȶǁ ɽɨƃȶɰǹɁɨȴ ɽȃlj ʥƃʰɰ Ɂǹ ƹʍɰȈȶljɰɰ ƹʰ Ȉȶɽ ɨɁǁʍƺ ȈȶǼ ʍȶȈ ɧʍlj ƺʍɰ ɽɁȴljɨ ɥɨɁɥɁɰȈɽȈɁȶɰ ƃȶǁ ƃȢɽljɨȶƃɽȈʤlj ƹʍɰȈȶljɰɰ ȴɁǁljȢɰӝ • :ʍɰɽɁȴljɨӸyȈɨɰɽ ƃɥɥɨɁƃƺȃ ʥȈȢȢ ƹlj ɽȃlj ȶɁɨȴӗ ʥȃljɨlj ƹƃȶȟɰ ʥȈȢȢ ȶljljǁ ɽɁ ɨljɰɥɁȶǁ ɽɁ ɽȃlj ljʤɁȢʤȈȶǼ ȶljljǁɰ Ɂǹ ƺʍɰɽɁȴljɨɰ Ȉȶ ɽȃlj ɥɁɰɽӸ:ÝřŽA ljɨƃ ʥȈɽȃ ȈȶȶɁʤƃɽȈʤljӗ ƃǼȈȢljӗ ƃȶǁ ʤȈɨɽʍƃȢ ɰɁȢʍɽȈɁȶɰӝ • Ślj ɥɨɁƃƺɽȈʤljȢʰ ljȶǼƃǼljǁ ʥȈɽȃ Ɂʍɨ ƺʍɰɽɁȴljɨɰ ʥȈɽȃ ljȴɥƃɽȃʰ ƃȶǁ ǁljȴɁȶɰɽɨƃɽljǁ ǹƃȈɨȶljɰɰ ƹʰ ɽƃȈȢɁɨȈȶǼ Ɂʍɨ ɰljɨʤȈƺljɰӗ ȈȶƺȢʍǁȈȶǼ ƺɨljǁȈɽ ɽljɨȴɰ ƃȶǁ ƺɁȶǁȈɽȈɁȶɰ ƃɨɁʍȶǁ ɽȃlj ƺʍɰɽɁȴljɨԇɰ ʍȶȈɧʍlj ȶljljǁɰ ƃȶǁ ǁȈɰɥɁɰȈɽȈɁȶӝ ŽȢȢʍɰɽɨƃɽȈȶǼ ɽȃȈɰ ƺɁȴȴȈɽȴljȶɽӗ ǹɁɨ Ɂʤljɨ ƃȶǁ ƃƹɁʤlj ɽȃlj ȴƃȶǁƃɽljǁ ȴɁɨƃɽɁɨȈʍȴɰӗ ʥlj Ɂǹǹljɨljǁ ɥƃʰȴljȶɽ ǁljǹljɨɨƃȢɰ Ɂɨ ljʯɽljȶǁljǁ ƺɨljǁȈɽ ȢȈȶlj ɽɁ ƃǹǹljƺɽljǁ ӯɰljȢljƺɽӰ ƺʍɰɽɁȴljɨɰ ƹƃɰljǁ Ɂȶ ɽȃljȈɨ ɥƃɰɽ ƃɰɰɁƺȈƃɽȈɁȶ ʥȈɽȃ ʍɰӝ • Ślj ɥɨɁʤȈǁljǁ ljȶɽɨljɥɨljȶljʍɨȈƃȢ ɁɥɥɁɨɽʍȶȈɽȈljɰ ǹɁɨ ɰljʤljɨljȢʰӸƃǹǹljƺɽljǁ ȈȶǁȈʤȈǁʍƃȢɰ ɽɁ ȴƃȟlj ƃ ǁljƺljȶɽ ȢȈʤȈȶǼ ɽȃɨɁʍǼȃ ȴȈƺɨɁǹȈȶƃȶƺȈȶǼ ǹƃƺȈȢȈɽʰ ƃɰ ʥljȢȢ ƃɰ ɰɥljƺȈƃȢȈɰljǁ ɥɨɁǼɨƃȴȴljɰ ǹɁɨ ɽȃlj ČÃK ƹʍɰȈȶljɰɰljɰӝ 1 Key Market Trends Links: ČɽɨƃɽljǼȈƺ ĀɨȈɁɨȈɽȈljɰӖ ČɽƃȟljȃɁȢǁljɨɰӖ :ƃɥȈɽƃȢɰӖ ĄȈɰȟɰӖ ÃƃɽljɨȈƃȢ ÃƃɽɽljɨɰӖ BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 45