Bank Islam Integrated Annual Report 2020

Sus ta inabi l i t y Repor t 68 Management Di scuss ion and Anal ys i s Value Creat ion at Bank I s lam In the name of Allah, the Most Gracious, the Most Merciful Assalamualaikum Warahmatullahi Wabarakatuh F I NANC I A L R E V I EW BY THE CHIEF FINANCIAL OFFICER AZIZAN ABD AZIZ :ȃȈljǹ yȈȶƃȶƺȈƃȢ Ýǹˎƺljɨ THE BANK’S COMMENDABLENET PROFITWAS LARGELY ATTRIBUTABLE TO THE RESILIENCEWITHIN THE CORE yŽÇ Ç:Ž ¸ ĀÝĄěyݸŽÝ 9ÝÝČěKA 9ť ČěĄÝÇ{ ÇÝÇӳ FUNDBASED INCOME FROM INVESTMENT ACTIVITIES, LEVERAGINGON THE LOWFINANCINGRATE ENVIRONMENT. MOVING FORWARD, UNDEROURVBI BUSINESSMODEL, THE FOCUSONCAPITAL OPTIMISATIONWILL BE SHARPENED TOREALISEOUROVERARCHING STANCEOF SUSTAINABLE IMPACT ON FINANCIAL PERFORMANCE. ÇÝÇӳyĩÇA 9 ČKA ŽÇ:ÝÃK ӭÇy9ŽӮ 14.8% 2019: 10.8% ĀĄÝyŽě 9KyÝĄK Ź ¶ ě ÇA ě Ť ěŽÝÇ ӭĀ9ŹěӮ RM726.8 13.6% Million