Bank Islam Integrated Annual Report 2020

BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 55 Definition ěȃlj ɨȈɰȟ Ɂǹ ȢɁɰɰ ɨljɰʍȢɽȈȶǼ ǹɨɁȴ Ȉȶƃǁljɧʍƃɽlj Ɂɨ ǹƃȈȢljǁ ȈȶɽljɨȶƃȢ ɥɨɁƺljɰɰljɰӗ ɥljɁɥȢlj ƃȶǁ ɰʰɰɽljȴɰ Ɂɨ ǹɨɁȴ ljʯɽljɨȶƃȢ ljʤljȶɽɰӗ ʥȃȈƺȃ ȈȶƺȢʍǁljɰ ȢljǼƃȢ ɨȈɰȟ ƃȶǁ ČȃƃɨȈƃȃ ƺɁȴɥȢȈƃȶƺlj ɨȈɰȟӝ Mitigation • ÃƃȈȶɽƃȈȶ ƃ ƺɁȴɥɨljȃljȶɰȈʤlj ȢȈɧʍȈǁȈɽʰ ɨȈɰȟ ɥɁȢȈƺʰ ƃȶǁ ȢȈȴȈɽɰ ƃȶǁ ƃƺɽȈʤljȢʰ ȴljƃɰʍɨljӗ ȴɁȶȈɽɁɨ ƃȶǁ ȴƃȶƃǼlj ȢȈɧʍȈǁȈɽʰ ɨȈɰȟ ʥȈɽȃȈȶ ɽȃlj ƃɥɥɨɁʤljǁ ĄȈɰȟ ɥɥljɽȈɽljӝ • ĀɨɁƃƺɽȈʤlj ɨljʤȈljʥ Ɂǹ ƃȢȢ ȢȈɧʍȈǁȈɽʰ ɨȈɰȟ ɥƃɨƃȴljɽljɨɰ Ȉȶ ȢȈȶlj ʥȈɽȃ ǼȢɁƹƃȢ ljƺɁȶɁȴȈƺ ljȶʤȈɨɁȶȴljȶɽӝ Mitigation • ÃƃȈȶɽƃȈȶ ƃȶǁ ƃƺɽȈʤljȢʰ ȴƃȶƃǼlj ɁɥljɨƃɽȈɁȶƃȢ ɨȈɰȟ Ȉȶ ȢȈȶlj ʥȈɽȃ ɽȃlj 9ƃȶȟԇɰ ɁɥljɨƃɽȈɁȶƃȢ ɨȈɰȟ ɥɁȢȈƺʰ ƃȶǁ ɽȃlj ƃɥɥɨɁʤljǁ ĄȈɰȟ ɥɥljɽȈɽljӝ • ĄȈɰȟ ʍȶȈɽɰ ƃɨlj ljȴƹljǁǁljǁ ʥȈɽȃȈȶ ɰȈǼȶȈǹȈƺƃȶɽ ƃƺɽȈʤȈɽȈljɰ ƃȶǁ ɨȈɰȟ ƺɁȶɽɨɁȢȢljɨɰ Ȉȶ ljʤljɨʰ ǁȈʤȈɰȈɁȶ ɽɁ ljȶȃƃȶƺlj ƃȶǁ ljȶɰʍɨlj ƃƺɽȈʤlj ȴɁȶȈɽɁɨȈȶǼ Ɂǹ ɁɥljɨƃɽȈɁȶƃȢ ɨȈɰȟɰ Ȉȶ ɽȃlj 9ƃȶȟӝ • Āɨljɰljɨʤlj ȃȈǼȃ ɧʍƃȢȈɽʰ ȢȈɧʍȈǁ ƃɰɰljɽɰ ƃȶǁ ʥljȢȢӸǁȈʤljɨɰȈǹȈljǁ ɰɁʍɨƺljɰ Ɂǹ ǹʍȶǁɰ ƃɰ ƃ ȢȈɧʍȈǁȈɽʰ ɨȈɰȟ ƹʍǹǹljɨ ʍȶǁljɨ ƹɁɽȃ ƹʍɰȈȶljɰɰӸƃɰӸʍɰʍƃȢ ӯ9 ĩӰ ƃȶǁ ɰɽɨljɰɰ ƺɁȶǁȈɽȈɁȶɰӝ • ȢȢ ljʯɥɁɰʍɨljɰ ƃȶǁ ȶɁȶӸƺɁȴɥȢȈƃȶƺlj ƃɨlj ɨljɥɁɨɽljǁ ɽɁ ÃƃȶƃǼljȴljȶɽ ծ 9Ɂƃɨǁ :ɁȴȴȈɽɽljljɰӝ • ĀɨɁƃƺɽȈʤlj ɨljʤȈljʥ Ɂǹ ɁɥljɨƃɽȈɁȶƃȢ ɨljɰȈȢȈljȶƺlj Ɂǹ ƃȢȢ ǁȈʤȈɰȈɁȶ ƃɨȈɰȈȶǼ ǹɨɁȴ ƺȃƃȢȢljȶǼljɰ ɥɁɰljǁ ƹʰ :ÝřŽAӸѴѼ ɥƃȶǁljȴȈƺӝ • ÝɥljɨƃɽȈɁȶƃȢ ɨȈɰȟ ȴƃȶƃǼljȴljȶɽ Ȉɰ ljȴƹljǁǁljǁ ƃɰ ƃ ȟljʰ ƃɨljƃ Ȉȶ ɽȃlj ƃɰɰljɰɰȴljȶɽ Ɂǹ ɨȈɰȟɰ ʥȈɽȃȈȶ ɽȃlj 9ƃȶȟԇɰ ɥɨɁǁʍƺɽɰӗ ɰljɨʤȈƺljɰӗ ɥɨɁƺljɰɰljɰ ƃȶǁ ɰʰɰɽljȴɰӝ • ȢȢ ɁɥljɨƃɽȈɁȶƃȢ ɨȈɰȟ Ȉɰɰʍljɰ ƃȶǁ ȈȶƺȈǁljȶƺljɰ ƃɨlj ɨljɥɁɨɽljǁ ɽɁ ÃƃȶƃǼljȴljȶɽ ծ 9Ɂƃɨǁ :ɁȴȴȈɽɽljljɰ ʥȈɽȃ ǁljɽƃȈȢljǁ ɨɁɁɽ ƺƃʍɰlj ƃȶƃȢʰɰȈɰ ƃȶǁ ƃƺɽȈɁȶ ɥȢƃȶӝ LIQUIDITY RISK OPERATIONAL RISK Definition ĄȈɰȟ Ɂǹ ƃǁʤljɨɰlj Ȉȴɥƃƺɽ ɽɁ ɽȃlj ǹȈȶƃȶƺȈƃȢ ƺɁȶǁȈɽȈɁȶ Ɂɨ ɰɁʍȶǁȶljɰɰ Ɂǹ ɽȃlj {ɨɁʍɥ Ȉɰ ƃǹǹljƺɽljǁ ƹʰ ƃȶ ȈȶƃƹȈȢȈɽʰ ӯɁɨ ɥljɨƺljȈʤljǁ ȈȶƃƹȈȢȈɽʰӰ ɽɁ ȴljljɽ Ȉɽɰ ƺɁȶɽɨƃƺɽʍƃȢ ɁƹȢȈǼƃɽȈɁȶɰӝ 3 4