Bank Islam Integrated Annual Report 2020

TECHNOLOGY PROLIFERATION Description Our Response and Related Strategy Impact Outlook • ¸Ɂ ƺȟǁɁʥȶ ɰ ƃȶǁ ȴɁ ʤ ljȴljȶ ɽ ɨljɰɽɨȈƺɽȈɁȶɰ ɥʍɰȃljǁ ƺɁȶɰʍȴljɨɰ ƃȶǁ ƺʍɰɽɁȴljɨɰ ɽɁ ɰȃȈǹɽ ɽɁ ljӸƺɁȴȴljɨƺlj ɽɨƃȶɰƃƺɽȈɁȶɰӗ ƺƃɰȃȢljɰɰ ɁɥɽȈɁȶɰ ƃȶǁ ʤȈɨɽʍƃȢ ɥƃʰȴljȶɽ Ǽƃɽljʥƃʰɰӝ ¸ƃɽlj Ȣƃɰɽ ʰljƃɨӗ 9ƃȶȟ ÇljǼƃɨƃ ÃƃȢƃʰɰȈƃ ƃȢɰɁ Ȉ ȶ ɽ ɨ Ɂ ǁ ʍ ƺ lj ǁ ɽ ȃ lj Ȣ Ȉ ƺ lj ȶ ɰ Ȉ ȶ Ǽ ɨljɧʍȈɨljȴljȶɽɰ ǹɁɨ ʤȈɨɽʍƃȢ ƹƃȶȟȈȶǼӗ ɰȈǼȶƃȢȢȈȶǼ ȶljʥ ȟȈȶǁɰ Ɂǹ ǁȈɰɨʍɥɽȈɁȶɰ ʥȈɽȃȈȶ ɽȃlj ƹƃȶȟȈȶǼ ɰljƺɽɁɨ Ȉȶ ɽȃlj ȶljƃɨ ǹʍɽʍɨljӝ • ěȃlj ɥƃȶǁljȴȈƺ ǹʍɨɽȃljɨ ƃƺƺljȢljɨƃɽljǁ ɽȃlj ʍɥɽƃȟlj Ɂǹ ȴɁƹȈȢlj ƃɥɥȢȈƺƃɽȈɁȶɰӗ ɨljɰȃƃɥȈȶǼ ƺɁȶɰʍȴljɨɰԇ ƹljȃƃʤȈɁʍɨ ƃȶǁ ȶljƺljɰɰȈɽƃɽȈȶǼ ƺȃƃȶǼljɰ Ȉȶ ɽȃlj ƺʍɨɨljȶɽ ɨljɽƃȈȢ ƹʍɰȈȶljɰɰ ȴɁǁljȢ ӝ ƺƺɁɨǁȈȶǼ ɽɁ ƃ ɨljɥɁɨ ɽ ƹʰ °ӝĀӝ ÃɁ ɨ Ǽ ƃȶ ӗ Ãƃ Ȣ ƃ ʰ ɰ Ȉ ƃ ԇ ɰ ȴɁƹ Ȉ Ȣ lj ƺɁȴȴljɨƺlj ǼɨɁʥɽȃ Ȉɰ ljʯɥljƺɽljǁ ɽɁ Ɂʍɽɥƃƺlj ɁʤljɨƃȢȢ ljӸƺɁȴȴljɨƺljӗ ɨȈɰȈȶǼ ƃɽ ƃ ƺɁȴɥɁʍȶǁ ƃȶȶʍƃȢ ǼɨɁʥɽȃ ɨƃɽlj Ɂǹ ѴѼӝѺ ɥljɨ ƺljȶɽ ɽɁ ѵѳѵѶӗ ɽɁ ƹljƺɁȴlj ƃ ĩČԤѻӝѼ ƹȈȢȢȈɁȶ ȴƃɨȟljɽӝ • ěȃlj ƃƺƺljȢljɨƃɽȈɁȶ Ɂǹ ǁȈǼȈɽƃȢ ljȶƃƹȢljȴljȶɽ ȶljƺljɰɰȈɽƃɽljǁ ƹƃȶȟɰ ɽɁ ɰɽƃɨɽ ljʯɥȢɁɨȈȶǼ ƃȶǁ ȈȶʤljɰɽȈȶǼ Ȉȶ ǹɨɁȶɽȈljɨ ɽljƺȃȶɁȢɁǼȈljɰ ɰʍƺȃ ƃɰ ɥɥȢȈƺƃɽȈɁȶ ĀɨɁǼɨƃȴȴȈȶǼ Žȶɽljɨǹƃƺlj ӯ ĀŽɰӰӗ Ž ÃƃƺȃȈȶlj ¸ljƃɨȶȈȶǼӗ : Ȣ Ɂʍǁ :Ɂȴɥʍɽ Ȉ ȶǼ ӗ 9 Ȉ Ǽ Aƃ ɽ ƃ ӗ :ʰƹljɨɰljƺʍɨȈɽʰӗ Aƃɽƃ řȈɰʍƃȢȈɰƃɽȈɁȶӗ ĩɰljɨӸ Žȶɽljɨǹƃƺlj ӯĩŽӰ ծ ĩɰljɨ KʯɥljɨȈljȶƺlj ӯĩŤӰӗ AljɰȈǼȶ ծ 9ȢɁƺȟƺȃƃȈȶ ɽɁ ǁljɰȈǼȶ ɽȃlj ɰɁȢʍɽȈɁȶɰ Ɂǹ ɽȃlj ǹʍɽʍɨlj ɽȃƃɽ ʥȈȢȢ ǼȈʤlj ƃ ƺɁȴɥljɽȈɽȈʤlj ljǁǼljӝ • 9ƃȶȟɰ ȶljljǁljǁ ɽɁ ȴʍȢɽȈɥȢʰ ɽȃlj ɁɥɽȈɁȶɰ ƃʤƃȈȢƃƹȢlj ɽɁ ƺʍɰɽɁȴljɨɰ ɽɁ ʍɰlj ɽȃljȈɨ ƹƃȶȟ ƺƃɨǁɰ ƃȶǁ ljӸʥƃȢȢljɽɰ ƃȶǁ ʤƃɨȈɁʍɰ Ɂɽȃljɨ ɥɨɁȴɁɽȈɁȶɰ ƃȶǁ ƹljȶljǹ Ȉɽ ɰ ƃɰɰɁƺȈƃɽljǁ ʥȈɽȃ ȴɁƹȈȢlj ɽɨƃȶɰƃƺɽȈɁȶɰӝ • 9ƃȶȟɰ ʥȈȢȢ ƺɁȴɥljɽlj ǹɁɨ ɽȃlj ljʯɽljȶɽ Ɂǹ ʤƃȢʍljӸƃǁǁljǁ ɰljɨʤȈƺljɰ ƃȶǁ ɥɨɁȴɁɽȈɁȶɰ ɽȃƃɽ ƺƃȶ ƹlj ǁljȢȈʤljɨljǁ ɽɁ ƺʍɰɽɁȴljɨɰ ɽȃɨɁʍǼȃ ʤƃɨȈɁʍɰ ȴɁƹȈȢlj ƃɥɥȢȈƺƃɽȈɁȶɰ ɰʍƺȃ ƃɰ ɁȶȢȈȶlj ɰȃɁɥɥȈȶǼ ƃɥɥɰӗ ɁȶȢȈȶlj ǹɁɁǁ ǁljȢȈʤljɨʰ ƃɥɥɰӗ ɁȶȢȈȶlj Ǽƃȴlj ƃɥɥɰ ljɽƺӝ • Ślj ȈȶȈɽȈƃɽljǁ ljǹǹɁɨɽɰ ɽɁ ǁljʤljȢɁɥ ƃ ǁȈǼȈɽƃȢ ɥɨɁɥɁɰȈɽȈɁȶ Ȉȶ ljȶȃƃȶƺȈȶǼ Ɂʍɨ ѴѳѳՐ ČȃƃɨȈƃȃӸ ƺɁȴɥȢȈƃȶɽ ɁǹǹljɨȈȶǼɰ ƹʰ ɥƃɨɽȶljɨȈȶǼ ʥȈɽȃ ȢljƃǁȈȶǼ ƺɨljǁȈƹȢlj ɽljƺȃȶɁȢɁǼʰ Ȉȶǹɨƃɰɽɨʍƺɽʍɨlj ɥƃɨɽȶljɨɰӝ • ěɁǼljɽȃljɨ ʥȈɽȃ ɽȃlj ɨljȢljʤƃȶɽ ɰɽƃɽlj ƃʍɽȃɁɨȈɽȈljɰӗ ʥlj ƺɁȢȢƃƹɁɨƃɽljǁ ʥȈɽȃ ƃ ɽljƺȃȶɁȢɁǼʰ ƺɁȴɥƃȶʰ Ȉȶ ɥɨɁʤȈǁȈȶǼ ǁȈǼȈɽƃȢ ɥȢƃɽǹɁɨȴ ǹɁɨ ȴljȴƹljɨɰ Ɂǹ ɽȃlj ɥʍƹȢȈƺ ɽɁ ǹʍȢǹȈȢ ɽȃljȈɨ ɁƹȢȈǼƃɽɁɨʰ ƺɁȶɽɨȈƹʍɽȈɁȶɰ ʥȈɽȃɁʍɽ ƃȶʰ ɥȃʰɰȈƺƃȢ ƺɁȶɽƃƺɽӗ ƃȶǁ ƃɽ ɽȃlj ƺɁȶʤljȶȈljȶƺlj Ɂǹ ɽȃljȈɨ ǹȈȶǼljɨɽȈɥɰӝ • Ślj ƺɁȶɽȈȶʍljǁ ɽɁ ǹɁƺʍɰ Ɂȶ ljȶȃƃȶƺȈȶǼ ɽȃlj ǹljƃɽʍɨljɰ Ɂǹ Ɂʍɨ ȴɁƹȈȢlj ƹƃȶȟȈȶǼ ƃɥɥӗ {Ý ƹʰ 9ƃȶȟ ŽɰȢƃȴӗ ɁǹǹljɨȈȶǼ ȴɁɨlj ƺɁȶʤljȶȈljȶƺlj ƃɰ Ɂʍɨ ƺʍɰɽɁȴljɨɰ Ȉȶƺɨljƃɰljǁ ɽȃljȈɨ ǁƃʰӸ ɽɁӸǁƃʰ ɁȶȢȈȶlj ɽɨƃȶɰƃƺɽȈɁȶ ƃƺɽȈʤȈɽȈljɰӝ 2 Links: ČɽɨƃɽljǼȈƺ ĀɨȈɁɨȈɽȈljɰӖ ČɽƃȟljȃɁȢǁljɨɰӖ :ƃɥȈɽƃȢɰӖ ĄȈɰȟɰӖ ÃƃɽljɨȈƃȢ ÃƃɽɽljɨɰӖ 46 Management Di scuss ion and Anal ys i s Value Creat ion at Bank I s lam Sus tainabi l i t y Repor t STRATEGIC REVIEW OPERATING ENVIRONMENT