Bank Islam Integrated Annual Report 2020

SHIFTING REGULATORY LANDSCAPE Description Our Response and Related Strategy Impact Outlook • Çljʥ ɨljǼʍȢƃɽȈɁȶɰ Ȉɰɰʍljǁ ƹʰ ɽȃlj ɨljǼʍȢƃɽɁɨɰ ƺɁȶɽȈȶʍlj ɽɁ ƹlj ƹʍȈȢǁ ɥɨljɰɰʍɨljӗ ʥȈɽȃ ȴɁɨlj ɰɽɨ ȈȶǼljȶɽ ɨ lj ɧ ʍ Ȉ ɨ ljȴlj ȶ ɽ ɰ ƃ ȶ ǁ ȃ Ȉ Ǽ ȃ lj ɨ ljʯɥljƺɽƃɽ ȈɁȶɰ Ɂȶ ȴljƃɰʍɨljɰ ɽɁ ȈȴɥɨɁʤlj ƃȶʰ ɨljǼʍȢƃɽɁɨʰ Ǽƃɥɰӝ • ěȃɨɁʍǼȃɁʍɽ yťѵѳѵѳӗ ɽȃlj ȶƃɽȈɁȶ ȃƃɰ ƹljljȶ ƺɁȴƹƃɽȈȶǼ ɽȃlj :ÝřŽAӸѴѼ ɥƃȶǁljȴȈƺ ʥȃȈƺȃ ȃƃɰ ȃƃǁ ɰljʤljɨlj ɨljɥljɨƺʍɰɰȈɁȶɰ Ɂȶ Ɂʍɨ ljƺɁȶɁȴʰӝ ěȃlj ƺljȶɽɨƃȢ ƹƃȶȟԇɰ ȴƃȈȶ ǹɁƺʍɰ ȃƃɰ ƹljljȶ ɽɁʥƃɨǁɰ ƃȈǁȈȶǼ ɰljƺɽɁɨɰ Ȉȴɥƃƺɽljǁ ƹʰ ɽȃlj ɥƃȶǁljȴȈƺ ƃȶǁ ɽȃlj ɽɨljȶǁ ƺɁȶɽȈȶʍljɰ ɽȃɨɁʍǼȃ ѵѳѵѴӝ • ѵѳѵѳ ʥƃɰ ɽȃlj ƹljǼȈȶȶȈȶǼ Ɂǹ ƃ ȶljʥ ljɨƃ Ɂǹ ʤȈɨɽʍƃȢ ƹƃȶȟȈȶǼ Ȉȶ ÃƃȢƃʰɰȈƃ ʥȈɽȃ ɽȃlj ȈȶɽɨɁǁʍƺɽȈɁȶ Ɂǹ ǁȈǼȈɽƃȢ ƹƃȶȟ ȢȈƺljȶɰȈȶǼ ǹɨƃȴljʥɁɨȟӝ ěɁ ǁƃɽljӗ ȴɁɨlj ɽȃƃȶ Ѵѳ ɥƃɨɽȈljɰ ȃƃʤlj ljʯɥɨljɰɰljǁ Ȉȶɽljɨljɰɽ Ȉȶ ɰljɽɽȈȶǼӸʍɥ ʤȈɨɽʍƃȢ ƹƃȶȟɰ Ȉȶ ÃƃȢƃʰɰȈƃӝ • ĀɁɽljȶɽȈƃȢ ƃȶǁ ɨljƃȢ ɨȈɰȟɰ ǹɨɁȴ ȶljʥ ʤȈɨɽʍƃȢ ƹƃȶȟȈȶǼ ƃȶǁ ȶɁȶӸɽɨƃǁȈɽȈɁȶƃȢ ƹƃȶȟȈȶǼ ƺȃƃȶȶljȢɰ ƃȶǁ ƺɁȴɥljɽȈɽɁɨɰӝ • ČɽɨȈƺɽljɨ ƺɁȴɥȢȈƃȶƺlj ǹɨɁȴ ǁȈǼȈɽƃȢ ɥƃɨɽȶljɨɰ ƃȶǁ ɨljǼʍȢƃɽɁɨʰ ɨljɧʍȈɨljȴljȶɽɰ ʥȈɽȃ Ȉȶƺɨljƃɰljǁ ɨljȢȈƃȶƺlj Ɂȶ ɽljƺȃȶɁȢɁǼʰӝ • ĄȈɰȟ Ɂǹ ȶljʥ ӣ ljȴljɨǼȈȶǼ øӣěy ɽȃɨljƃɽɰӗ ʤ ʍ Ȣ ȶlj ɨ ƃƹ Ȉ Ȣ Ȉ ɽ Ȉ lj ɰ ƃȶǁ ɨ ljǁ ǹ Ȣ ƃǼ ɰ Ɂǹ ƺɨȈȴȈȶƃȢ ƃƺɽȈʤȈɽȈljɰ ǁʍɨȈȶǼ ɽȃlj :ÝřŽAӸѴѼ ɥƃȶǁljȴȈƺӝ • {ɨɁʥȈȶǼ ȶljljǁ ɽɁ ƃǁǁɨljɰɰ ɽȃlj ɨȈɰȟɰ ƃȶǁ ƺɁȶƺljɨȶɰ ƃɰɰɁƺȈƃɽljǁ ʥȈɽȃ ǁȈǼȈɽƃȢ ɁȶӸƹɁƃɨǁȈȶǼ Ɂǹ ƺʍɰɽɁȴljɨɰӝ • ÃɁɨlj ǼƃȴljӸƺȃƃȶǼȈȶǼ ɨljǼʍȢƃɽȈɁȶɰ Ɂȶ ɽȃlj ʍɰlj Ɂǹ ɽljƺȃȶɁȢɁǼʰ ƃɨlj ljʯɥljƺɽljǁ ɽɁ ƹlj Ȉɰɰʍljǁ ƹʰ ĄljǼʍȢƃɽɁɨɰ ǹɁɨ ʰljƃɨ ѵѳѵѴ ƃȢɁȶǼ ʥȈɽȃ ɨljǼʍȢƃɽȈɁȶɰ ɨljȢƃɽljǁ ɽɁ ƺɁȶɽƃƺɽȢljɰɰ ɥƃʰȴljȶɽ ɽɁ ɥɨɁȴɁɽlj ǼɁ ƺƃɰȃȢljɰɰ ƃȶǁ ɽɁ ɰɥʍɨ ǁɁȴljɰɽȈƺ ƺɁȶɰʍȴɥɽȈɁȶӝ • Ślj ɰɽɨljȶǼɽȃljȶljǁ Ɂʍɨ ǁȈǼȈɽƃȢ ƃȶǁ Žě Ȉȶǹɨƃɰɽɨʍƺɽʍɨlj ƃȢɁȶǼɰȈǁlj Ɂʍɨ ƃƺƺljȢljɨƃɽljǁ 9:Ãӣ ǁȈɰƃɰɽljɨ ȴɁȶȈɽɁɨȈȶǼ ƃȶǁ ɨljƺɁʤljɨʰ ƺƃɥƃƹȈȢȈɽȈljɰ ƃɰ ʥljȢȢ ƃɰ ȴljƃɰʍɨljɰӝ • Ślj ƃȢɰɁ ɨɁȢȢljǁӸɁʍɽ ƃ ǁȈǼȈɽƃȢȈɰƃɽȈɁȶ ƃƺɽȈɁȶ ɥȢƃȶӗ ƃȢɰɁ ɨljȈȶǹɁɨƺȈȶǼ Ɂʍɨ ƺɁȴȴȈɽȴljȶɽ ɽɁ 9Çà Ȉȶ ƺɁȴɥȢʰȈȶǼ ʥȈɽȃ ɽȃlj ĄÃȈě ɨljɧʍȈɨljȴljȶɽɰӝ ěȃlj 9ƃȶȟ ɨljǼʍȢƃɨȈɰljǁ ɨljɥɁɨɽȈȶǼ ƃȶǁ ȴɁȶȈɽɁɨȈȶǼ Ɂǹ ɽȃlj ĄÃȈě ƺɁȴɥȢȈƃȶƺljӗ ʥȈɽȃ ȴƃȶǁƃɽljǁ ʍɥǁƃɽljɰ ɽȃɨɁʍǼȃɁʍɽ ɽȃlj ʰljƃɨ ɽɁ ɽȃlj ȴƃȶƃǼljȴljȶɽӝ 6 Links: ČɽɨƃɽljǼȈƺ ĀɨȈɁɨȈɽȈljɰӖ ČɽƃȟljȃɁȢǁljɨɰӖ :ƃɥȈɽƃȢɰӖ ĄȈɰȟɰӖ ÃƃɽljɨȈƃȢ ÃƃɽɽljɨɰӖ 50 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