Bank Islam Integrated Annual Report 2020

66 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 OUR STRATEGIC PERFORMANCE REVIEW STRATEGIC REVIEW MOVING FORWARD ɰ ɽȃlj ɽȃȈɨǁ ʥƃʤlj Ɂǹ :ÝřŽAӸѴѼ ȃȈɽɰ ÃƃȢƃʰɰȈƃӗ ɨƃɥȈǁ ƃȶǁ ljǹǹljƺɽȈʤlj ʤƃƺƺȈȶƃɽȈɁȶ ƺɁȶɽȈȶʍljɰ ɽɁ ƹlj ɽȃlj ɁȶȢʰ Ǽƃȴlj ƺȃƃȶǼljɨӗ ƃȢɁȶǼɰȈǁlj ȴɁʤljȴljȶɽ ɨljɰɽɨȈƺɽȈɁȶɰ ƃȶǁ ČÝĀɰӝ ƺƺɁɨǁȈȶǼ ɽɁ 9ÇÃӗ ɽȃlj {ɨɁɰɰ AɁȴljɰɽȈƺ ĀɨɁǁʍƺɽ ӯ{AĀӰ ʥȈȢȢ ɨljƹɁʍȶǁ ƃȴȈǁɰɽ ƃ ȢɁʥ ʍȶljȴɥȢɁʰȴljȶɽ ɨƃɽlj ƹʍɽ ʥȈɽȃ ƃȶ ȈȴɥɨɁʤljǁ :Ɂȶɰʍȴljɨ ĀɨȈƺlj Žȶǁljʯ ӯ:ĀŽӰӝ ěȃlj ɁʍɽȢɁɁȟ ǹɁɨ ѵѳѵѴ Ȉɰ ɰʍɥɥɁɨɽljǁ ƹʰ ƃ ǹƃʤɁʍɨƃƹȢlj ǼȢɁƹƃȢ ǼɨɁʥɽȃ ɥɨɁȚljƺɽȈɁȶ ƃȶǁ ƃ ȴƃȚɁɨ ʍɥɰʥȈȶǼ Ɂɨ ɨljƺɁʤljɨʰ Ȉȶ ǁɁȴljɰɽȈƺ ljƺɁȶɁȴȈƺ ƃƺɽȈʤȈɽȈljɰӗ ʥȃȈƺȃ Ȉȶ ɽʍɨȶ ʥȈȢȢ ƺƃɽƃȢʰɰlj ǹȈȶƃȶƺȈƃȢ ȴƃɨȟljɽ ɥljɨǹɁɨȴƃȶƺljӝ ɽ 9ƃȶȟ ŽɰȢƃȴӗ ʥlj ɰljlj ѵѳѵѴ ƃɰ ƃ ʥȈȶǁɁʥ Ɂǹ ɁɥɥɁɨɽʍȶȈɽʰ ɽɁ ɨljƃɰɰljɰɰ ƹʍɰȈȶljɰɰ ɥɨɁƺljɰɰljɰ ƃȶǁ ɥɨȈɁɨȈɽȈljɰӗ ʥȃȈȢlj ɰɽɨljȶǼɽȃljȶȈȶǼ ɨȈɰȟ ȴɁȶȈɽɁɨȈȶǼ ƃȶǁ ȴȈɽȈǼƃɽȈɁȶ ȴljƺȃƃȶȈɰȴ ƃȶǁ ǁljʤȈɰȈȶǼ ǹʍɽʍɨljӸɥɨɁɁǹ ɰɽɨƃɽljǼȈljɰ ɽɁ ȴƃȟlj ƹƃȶȟȈȶǼ ƹɁɽȃ ɨljɰɥɁȶɰȈƹȢlj ƃȶǁ ɰʍɰɽƃȈȶƃƹȢljӝ yɨɁȴ ȈȶƺȢʍɰȈʤlj ǹȈȶƃȶƺȈȶǼ ɽɁ Ǽɨljljȶ ɰɁȢʍɽȈɁȶɰӗ ǹɨɁȴ ƺʍɰɽɁȴljɨӸƺljȶɽɨȈƺȈɽʰ ɽɁ ǁȈǼȈɽƃȢȈɰƃɽȈɁȶӗ 9ƃȶȟ ŽɰȢƃȴӗ ɽȃɨɁʍǼȃ Ȉɽɰ ѸӸʰljƃɨ ɨɁƃǁȴƃɥӗ Ȉɰ ƺɁȴȴȈɽɽljǁ ɽɁ ǁljȢȈʤljɨ ɽȃlj ɥɨɁȴȈɰlj Ɂǹ ɨljɰɥɁȶɰȈƹȢlj ɰɁȢʍɽȈɁȶɰ ƃȶǁ ɨljɰɥɁȶɰȈƹȢlj ǼɨɁʥɽȃӝ Integrated Wealth Management Business Model 9ƃȶȟ ŽɰȢƃȴ ƃȈȴɰ ɽɁ ɰʥȈɽƺȃ ǹɨɁȴ ƃ ɥɨɁǁʍƺɽӸƺljȶɽɨȈƺ ƹʍɰȈȶljɰɰ ǹɁƺʍɰ ɽɁ ƃ ȃɁȢȈɰɽȈƺ ǹȈȶƃȶƺȈƃȢ ƃǁʤȈɰɁɨʰ ʤȈɰȈɁȶӝ ɨljʤljȶʍlj ȴɁǁljȢ ƹƃɰljǁ Ɂȶ ɽȃlj ŽɰȢƃȴȈƺ ƺɁȶƺljɥɽ Ɂǹ ɥɨɁǹȈɽӸɰȃƃɨȈȶǼ ƺƃȶ ɥɁɽljȶɽȈƃȢȢʰ ƃɽɽɨƃƺɽ ȶljʥ ƺʍɰɽɁȴljɨɰ ƃȶǁ ƃɰɰljɽɰӗ ɥƃʤȈȶǼ ɽȃlj ʥƃʰ ɽɁ ǹɁɨɽȈǹʰ ɨljƺʍɨɨȈȶǼ ȶɁȶӸǹʍȶǁӸ ƹƃɰljǁ ȈȶƺɁȴljӝ Žɽ ɰȃɁʍȢǁ ɨljɰʍȢɽ Ȉȶ ȃȈǼȃljɨ ɨljʤljȶʍlj ǼɨɁʥɽȃ ƃȶǁ ƺʍɰɽɁȴljɨ ƹƃɰljӝ Growing the Green Economy ěȃlj 9ƃȶȟ ʥȈȢȢ ȈȶɽljȶɰȈǹʰ Ȉɽɰ ǹɁƺʍɰ Ɂȶ ǁɁʍƹȢȈȶǼ ɽȃlj ljʯȈɰɽȈȶǼ Ǽɨljljȶ ɥɁɨɽǹɁȢȈɁӝ Support the Real Economy 9ƃȶȟ ŽɰȢƃȴ Ȉɰ ǹɁƺʍɰljǁ Ɂȶ ƺɨljƃɽȈȶǼ ƃȶ ljȶɽljɨɥɨȈɰlj ƹʍɰȈȶljɰɰ ȴɁǁljȢ ʥȃȈƺȃ ʥȈȢȢ ɰȃȈǹɽ ɽɁʥƃɨǁɰ ƃȶ ljƺɁɰʰɰɽljȴ ƹljʰɁȶǁ ǹȈȶƃȶƺȈȶǼӸƺljȶɽɨȈƺӗ ɰʍƺȃ ƃɰ ljȶƃƹȢȈȶǼ ƃ ‰ƃȢƃȢ ljƺɁȶɁȴʰ ɥȢƃɽǹɁɨȴӝ ěȃlj 9ƃȶȟ ƃȢɰɁ ƃȈȴɰ ɽɁ ɥɨɁȴɁɽlj ƺƃɥȈɽƃȢ ɽɁ ȃljȢɥ ƺȢȈljȶɽɰ ƃƺȃȈljʤlj ɰʍɰɽƃȈȶƃƹȢlj ǼɨɁʥɽȃӗ ɽƃɨǼljɽȈȶǼ ȢƃɨǼljɨ ƹʍɰȈȶljɰɰ ɥɁɨɽǹɁȢȈɁɰ ǹɨɁȴ ƺɁɨɥɁɨƃɽlj ƺʍɰɽɁȴljɨɰ ʥȃȈȢlj ƹɁɁɰɽȈȶǼ ȶɁȶӸ ǹʍȶǁӸƹƃɰljǁ ȈȶƺɁȴljӝ {ɨljƃɽljɨ ɰʰȶljɨǼʰ ʥȈɽȃ 9ƃȶȟ ŽɰȢƃȴԇɰ Ȉȶʤljɰɽȴljȶɽ ƃɨȴӗ 9ŽÃ9 Žȶʤljɰɽȴljȶɽӗ Ȉɰ ɥȢƃȶȶljǁ ɽɁ ƃɽɽƃȈȶ ȶljʥ ɨljʤljȶʍlj ɰɽɨljƃȴɰ ɽȃɨɁʍǼȃ ɽȃlj ǼɨɁʥɽȃ Ɂǹ ĩÃӝ