Bank Islam Integrated Annual Report 2020

54 Management Di scuss ion and Anal ys i s Value Creat ion at Bank I s lam Sus ta inabi l i t y Repor t KEY RISKS AND MITIGATION STRATEGIC REVIEW Definition ĄȈɰȟ Ɂǹ ȢɁɰɰ Ɂǹ ɨljʤljȶʍlj ƃȶǁӣɁɨ ɥɨȈȶƺȈɥƃȢ ƃɨȈɰȈȶǼ ǹɨɁȴ ɽȃlj ȈȶƃƹȈȢȈɽʰ Ɂǹ ƃȶ ɁƹȢȈǼɁɨ ɽɁ ǹʍȢǹȈȢ Ȉɽɰ ǹȈȶƃȶƺȈƃȢ ɁƹȢȈǼƃɽȈɁȶ Ȉȶ ƃƺƺɁɨǁƃȶƺlj ʥȈɽȃ ƃǼɨljljǁ ɽljɨȴɰӝ Definition ěȃlj ɨȈɰȟ Ɂǹ ȢɁɰɰljɰ Ȉȶ ɽȃlj ɁȶӸƹƃȢƃȶƺlj ƃȶǁ ɁǹǹӸƹƃȢƃȶƺlj ɰȃljljɽ ɥɁɰȈɽȈɁȶɰ ƃɨȈɰȈȶǼ ǹɨɁȴ ȴɁʤljȴljȶɽɰ Ȉȶ ȴƃɨȟljɽ ɥɨȈƺljɰӣɨƃɽljɰӝ ĄȈɰȟ Ɂǹ ȢɁɰɰljɰ Ȉȶ ɁȶӸƹƃȢƃȶƺlj ƃȶǁ ɁǹǹӸƹƃȢƃȶƺlj ɰȃljljɽ ɥɁɰȈɽȈɁȶɰ ƃɨȈɰȈȶǼ ǹɨɁȴ ƃǁʤljɨɰlj ȴɁʤljȴljȶɽɰ Ȉȶ ȴƃɨȟljɽ ɥɨȈƺljɰӣɨƃɽljɰӝ Mitigation • ÃƃȈȶɽƃȈȶ ƃ ɨɁƹʍɰɽ ƃȶǁ ɥɨʍǁljȶɽ ƺɨljǁȈɽ ɨȈɰȟ ɥɁȢȈƺʰ ƃȶǁ ȢȈȴȈɽɰ ɽɁ ljȶɰʍɨlj ƺɨljǁȈɽ ǁljǹƃʍȢɽ ƃȶǁ ȢɁɰɰljɰ ƃɨlj ʥȈɽȃȈȶ ɽȃlj ƃɥɥɨɁʤljǁ ĄȈɰȟ ɥɥljɽȈɽljӝ • :ɨljǁȈɽ ljʤƃȢʍƃɽȈɁȶ ƹʰ ɽȃlj ƹʍɰȈȶljɰɰ ƃɨlj ȈȶǁljɥljȶǁljȶɽȢʰ ɨljʤȈljʥljǁ ƃȶǁ ƺɁȶɰɽɨʍƺɽȈʤljȢʰ ƺȃƃȢȢljȶǼljǁ ƹʰ ƺɨljǁȈɽ ƃȶƃȢʰɰɽ ɥɨȈɁɨ ɽɁ ɰʍƹȴȈɰɰȈɁȶ ɽɁ ÃƃȶƃǼljȴljȶɽ ƃȶǁ 9Ɂƃɨǁ :ɁȴȴȈɽɽljlj ǹɁɨ ƃɥɥɨɁʤƃȢӝ Mitigation • ÃƃȈȶɽƃȈȶ ƃ ɨɁƹʍɰɽ ȴƃɨȟljɽ ɨȈɰȟ ɥɁȢȈƺʰ ƃȶǁ ȢȈȴȈɽɰ ƹƃɰljǁ Ɂȶ ƹljɰɽ ɥɨƃƺɽȈƺljɰӝ • ĀɨɁƃƺɽȈʤlj ȴɁȶȈɽɁɨȈȶǼӗ ƃȶƃȢʰɰȈɰ ƃȶǁ ɨljɥɁɨɽȈȶǼ ɽɁ ljȶɰʍɨlj ȴƃȶƃǼȈȶǼ Ɂǹ ȴƃɨȟljɽ ɨȈɰȟ ʥȈɽȃȈȶ ɽȃlj ƃɥɥɨɁʤljǁ ĄȈɰȟ ɥɥljɽȈɽljӝ • Žȶǁljɥljȶǁljȶɽ ɥɁɰɽӸƺɨljǁȈɽ ɨljʤȈljʥ ƃȶǁ ɥɁɰɽӸȴɁɨɽljȴ ƃȶƃȢʰɰȈɰ Ȉɰ ƺɁȶǁʍƺɽljǁ ɨljǼʍȢƃɨȢʰ ɽɁ ƃɰɰljɰɰ ƃȶǁ ljȶɰʍɨlj ƃɰɰljɽ ɧʍƃȢȈɽʰ ɰɽƃȶǁƃɨǁɰ ƃɨlj ȴƃȈȶɽƃȈȶljǁӝ • ĀɨɁƃƺɽȈʤlj ƃȶǁ ʤȈǼȈȢƃȶɽ ȴƃȶƃǼljȴljȶɽ ƃɽ ƃƺƺɁʍȶɽ ȢljʤljȢ ɽɁ ɥɨljʤljȶɽ ǁljɽljɨȈɁɨƃɽȈɁȶ Ȉȶ ƃɰɰljɽ ɧʍƃȢȈɽʰӝ ěȃȈɰ ȈȶƺȢʍǁljɰ ǼɨƃȶʍȢƃɨ ɥɁɨɽǹɁȢȈɁ ɨȈɰȟ ɨljʤȈljʥɰ ƃȶǁ ȴɁȶȈɽɁɨȈȶǼӝ • ȢȢ ljʯɥɁɰʍɨlj ƃȶǁ ȶɁȶӸƺɁȴɥȢȈƃȶƺljɰ ȈȶƺȢʍǁȈȶǼ ljȴljɨǼȈȶǼ ɨȈɰȟ ƃɨlj ɨljɥɁɨɽljǁ ɽɁ ÃƃȶƃǼljȴljȶɽ ծ 9Ɂƃɨǁ :ɁȴȴȈɽɽljljɰӝ • ĀɨɁƃƺɽȈʤlj ɨljʤȈljʥ Ɂǹ ƃȢȢ ȴƃɨȟljɽ ɨȈɰȟ ɥƃɨƃȴljɽljɨɰ Ȉȶ ȢȈȶlj ʥȈɽȃ ǼȢɁƹƃȢ ljƺɁȶɁȴȈƺ ljȶʤȈɨɁȶȴljȶɽӝ • ¸ȈȴȈɽɰ Ɂɨ ÃƃȶƃǼljȴljȶɽ ƺɽȈɁȶ ěɨȈǼǼljɨɰ ƃɨlj ɨljʤȈljʥljǁ ɨljǼʍȢƃɨȢʰ ɽɁ ljȶɰʍɨlj ƃȶ ljǹǹljƺɽȈʤlj ȴƃȶƃǼljȴljȶɽ Ɂǹ ɽȃlj ɨȈɰȟӝ • ȢȢ ljʯɥɁɰʍɨljɰ ƃȶǁ ȶɁȶӸƺɁȴɥȢȈƃȶƺlj ƃɨlj ɨljɥɁɨɽljǁ ɽɁ ÃƃȶƃǼljȴljȶɽ ծ 9Ɂƃɨǁ :ɁȴȴȈɽɽljljɰӝ CREDIT RISK MARKET RISK 1 2