Bank Islam Integrated Annual Report 2020

78 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 CONSUMER BANKING BUSINESS REVIEW FINANCIAL HIGHLIGHTS RM 4,228.54 million Total Outstanding Growth ӯѵѳѴѼӖ ĄÃѵӗѴѸѻӝѴѸ ȴȈȢȢȈɁȶӰ RM 1,964.03 million Total Income ӯѵѳѴѼӖ ĄÃѵӗѵѳѺӝѸѵ ȴȈȢȢȈɁȶӰ 7.2 % Non-Fund BasedRatio ӯѵѳѴѼӖ ѹӝѺՐӰ 11.4 % Asset Growth ӯѵѳѴѼӖ ѹӝѵՐӰ Total Outstanding ӯĄÃԇ ÃȈȢӰ 41,459.23 ‘20 ‘18 ‘19 37,230.69 35,073 Total Income ӯĄÃԇ ÃȈȢӰ 141.78 1,822.25 ‘20 ‘18 154.32 147.91 1,940.81 2,059.61 ‘19 yʍȶǁ 9ƃɰljǁ ÇɁȶӸyʍȶǁ 9ƃɰljǁ Wealth Management ӯĄÃԇ ÃȈȢӰ 28.1 4.7 2.3 2.7 Bancatakaful Investment Others Estate Planning 30.2 5.6 2.6 5.0 ѵѳѴѼ ѵѳѵѳ RM 37,801,561 Total Income Wealth Management ӯѵѳѴѼӖ ĄÃѷѶӗѷѸѵӗѺѻѵӰ Sustainable Prosperity AljɥȢɁʰ ǁȈǼȈɽƃȢ ɥɨɁǼɨƃȴȴljɰ ƃȶǁ ɥȢƃɽǹɁɨȴɰ ɽɁ ƹɨȈȶǼ Ɂʍɨ ɽɁɽƃȢ ƹƃȶȟȈȶǼ ɰɁȢʍɽȈɁȶɰ ƃȶǁ ʤƃȢʍlj ɥɨɁɥɁɰȈɽȈɁȶ ɽɁ ʥȈǁljɨ ƺʍɰɽɁȴljɨɰ • ¸ƃʍȶƺȃljǁ ČƃȢljɰ {ƃȴȈǹȈƺƃɽȈɁȶ ƺƃȴɥƃȈǼȶ Ȉȶ Aljƺljȴƹljɨ ѵѳѵѳ ɽɁ ȴɁƹȈȢȈɰlj ɽȃlj 9ƃȶȟԇɰ ʥɁɨȟǹɁɨƺlj Ȉȶ ǼljȶljɨƃɽȈȶǼ ƺʍɰɽɁȴljɨ Ȣljƃǁɰ ƃȶǁ ƺɁȶɽɨȈƹʍɽȈȶǼ ɽɁ ɽȃlj 9ƃȶȟԇɰ ɨljʤljȶʍlj • yɁƺʍɰljǁ Ɂȶ ȈȶɽljɨƃƺɽȈʤlj ȴƃɨȟljɽȈȶǼ ɽȃɨɁʍǼȃ ɥɁɥʍȢƃɨ ƃȶǁ ɽɨljȶǁȈȶǼ ǁȈǼȈɽƃȢ ɥȢƃɽǹɁɨȴɰӗ Ȉȶ ƺɁȢȢƃƹɁɨƃɽȈɁȶ ʥȈɽȃ Ѵѷ ɥɨɁǹljɰɰȈɁȶƃȢ ƃɰɰɁƺȈƃɽȈɁȶɰ ƃȶǁ ƹɁǁȈljɰ • ¸ƃʍȶƺȃljǁ ɽȃlj AljƹȈɽ :ƃɨǁӸȈ 9ƃȶȟ ŽɰȢƃȴ řȈɰƃ ěƃƹʍȶǼ ‰ƃȚȈ ƺɁȢȢƃƹɁɨƃɽȈɁȶ ʥȈɽȃ řŽČ ծ ¸ljȴƹƃǼƃ ěƃƹʍȶǼ ‰ƃȚȈ Ɂȶ ѴѴ yljƹɨʍƃɨʰ ѵѳѵѳ • yɁɨǼljǁ ɰɽɨƃɽljǼȈƺ ƺɁȢȢƃƹɁɨƃɽȈɁȶ ʥȈɽȃ ɰȈʯ ɥɨɁǹljɰɰȈɁȶƃȢ ȃljƃȢɽȃƺƃɨlj ɁɨǼƃȶȈɰƃɽȈɁȶɰ ɽɁ ǁljȢȈʤljɨ ɥljɨɰɁȶƃȢȈɰljǁ ƹƃȶȟȈȶǼ ɰɁȢʍɽȈɁȶɰ Customer-Centricity ŽȶȶɁʤƃɽlj ɥɨɁǁʍƺɽɰӗ ɥɨɁƺljɰɰljɰӗ ƃȶǁ ɥɨɁɥɁɰȈɽȈɁȶɰ ǹɁɨ ƺʍɰɽɁȴljɨɰӗ ƃȶǁ ɰƺƃȢlj ɽɁ ƹȈǼǼljɨ ȴƃɨȟljɽɰ ƃȶǁ ǁȈʤljɨɰlj ɰljǼȴljȶɽɰ • ŽȴɥȢljȴljȶɽljǁ ƃ ČɽɨƃȈǼȃɽӸěɁӸĀɨɁƺljɰɰȈȶǼ ӯČěĀӰ ȴljƺȃƃȶȈɰȴ ɽɁ ɥɨɁƺljɰɰ ĀljɨɰɁȶƃȢ yȈȶƃȶƺlj ƃɥɥȢȈƺƃɽȈɁȶɰ ǹɁɨ ɥȈȢɁɽ ƺɁȴɥƃȶȈljɰӗ ʥȈɽȃ ɰȈȴɥȢȈǹȈljǁ ǁɁƺʍȴljȶɽɰ ɽɁ ȈȴɥɨɁʤlj ƺʍɰɽɁȴljɨ ljʯɥljɨȈljȶƺlj Real Economy ĀɨɁȴɁɽlj ɨljɰɥɁȶɰȈƹȢlj ɥɨƃƺɽȈƺljɰ ƃȶǁ ɰɁȢʍɽȈɁȶɰ ʥȈɽȃ ljȴɥȃƃɰȈɰ Ɂȶ ȴƃȈȶɰɽɨljƃȴȈȶǼ ɰʍɰɽƃȈȶƃƹȢlj ǹȈȶƃȶƺȈȶǼ • ¸ƃʍȶƺȃljǁ Č9 yȈȶƃȶƺȈȶǼӸȈ ƃɰ ƃȶ ȈȶȈɽȈƃɽȈʤlj ɽɁ ǼɨɁʥ ɥɁɨɽǹɁȢȈɁ Ɂȶ Čljƺʍɨljǁ ծ :ɁȢȢƃɽljɨȈɰljǁ yȈȶƃȶƺȈȶǼ ʥȈɽȃ ƃ ǁȈɰƹʍɨɰljȴljȶɽ Ɂǹ ĄÃѴѵӝѷѵ ȴȈȢȢȈɁȶ Ȉȶ yťѵѳѵѳ Community Empowerment :ɁȶɽɨȈƹʍɽlj ɽɁ ɽȃlj ɁʤljɨƃȢȢ ȃljƃȢɽȃ ƃȶǁ ʥljƃȢɽȃ Ɂǹ ɽȃlj ɰɁƺȈljɽʰ • ČȈǼȶljǁ ÃÝĩ ʥȈɽȃ ¸ljȴƹƃǼƃ Źƃȟƃɽ ÇljǼljɨȈ ¶ljǁƃȃ ʍȶǁljɨ Źƃȟƃɽ ɰȶƃǹ yȈȶƃȶƺȈȶǼӗ ɽɁ ɥɨɁʤȈǁlj ɰȃljȢɽljɨ ƃȶǁ ȃɁȴlj ɁʥȶljɨɰȃȈɥ ɁɥɥɁɨɽʍȶȈɽʰ ǹɁɨ ƃɰȶƃǹ ȈȶǁȈʤȈǁʍƃȢɰ ɰljȢljƺɽljǁ ƹʰ ɽȃlj ¸ljȴƹƃǼƃ Źƃȟƃɽ ÇljǼljɨȈ Digitalisation ¸ljʤljɨƃǼlj Ɂȶ ɽȃlj ɥɁʥljɨ Ɂǹ ǁȈǼȈɽƃȢ ɽɁ ȈȴɥɨɁʤlj ƺʍɰɽɁȴljɨɰ Ɂʍɽɨljƃƺȃ ƃɰ ʥljȢȢ ƃɰ ɽɁ ȈȴɥɨɁʤlj ljǹǹȈƺȈljȶƺȈljɰ Ɂǹ ɁʤljɨƃȢȢ ɥɨɁƺljɰɰljɰ ɽȃɨɁʍǼȃ Ǽɨljƃɽljɨ ƃɥɥȢȈƺƃɽȈɁȶ Ɂǹ ǁȈǼȈɽƃȢ ɽljƺȃȶɁȢɁǼʰ KEY INITIATIVES