Bank Islam Integrated Annual Report 2020
CHALLENGES AND OPPORTUNITIES :ÝřAӸѴѼ Movement Restrictions Agile and New Competition Automation & Process Turn-Around- Times (TATs) ¸ȈɽɽȢlj Ɂɨ ɽɁɽƃȢ ƃƹɰljȶƺlj Ɂǹ ɥȃʰɰȈƺƃȢ ȈȶɽljɨƃƺɽȈɁȶɰ ʥȈɽȃ ƺʍɰɽɁȴljɨɰ ƺɁȶɽȈȶʍlj ɽɁ ǁljɽljɨȈɁɨƃɽlj ɽȃlj ɧʍƃȢȈɽʰ Ɂǹ ljȶǼƃǼljȴljȶɽӗ ɨljɧʍȈɨȈȶǼ ȶljʥ ȈȶȶɁʤƃɽȈʤlj ʥƃʰɰ ɽɁ ǁljȢȈʤljɨ ȈȶǹɁɨȴƃɽȈɁȶ ɽɁ ƺʍɰɽɁȴljɨɰ Ɂȶ ƃʤƃȈȢƃƹȢlj ɰɁȢʍɽȈɁȶɰ ŚȈɽȃ ƃƺƺljȢljɨƃɽljǁ ǁȈǼȈɽƃȢ ljȶƃƹȢljȴljȶɽӗ ɽɨƃǁȈɽȈɁȶƃȢ ƹƃȶȟȈȶǼ ƃɰ ʥljȢȢ ƃɰ ȶɁȶӸƹƃȶȟȈȶǼ ɥȢƃʰljɨɰ ƃɨlj ɰȃȈǹɽȈȶǼ ɽɁ ȴɁɨlj ƃǼȈȢlj ɥɨɁƺljɰɰljɰ ƃȶǁ ɰʰɰɽljȴɰӗ ƺɨljƃɽȈȶǼ ȶljʥ ƺɁȴɥljɽȈɽȈɁȶ ěȃlj ǼɨɁʥȈȶǼ ljʯɥljƺɽƃɽȈɁȶ Ɂǹ ƺʍɰɽɁȴljɨӗ ljɰɥljƺȈƃȢȢʰ ʥȈɽȃ ǁȈǼȈɽƃȢ ƃƺƺljȢljɨƃɽȈɁȶӗ Ȉɰ ɽɁ ɨljǁʍƺlj ě ěɰ ƃȶǁ ƺʍɽ ǁɁʥȶ Ɂȶ ɽljǁȈɁʍɰ ɥɨɁƺljɰɰljɰӗ ȴƃȟȈȶǼ Ȉɽ ƺɁȶʤljȶȈljȶɽ ƃȶǁ ƃ ɰʍɥljɨȈɁɨ ǁȈǼȈɽƃȢ ljʯɥljɨȈljȶƺlj ȶȶɁʤƃɽlj ǁȈǼȈɽƃȢ ƃʤljȶʍljɰ ƃȶǁ ɥȢƃɽǹɁɨȴɰ ɽɁ ȈȴɥɨɁʤlj ƺɁȴȴʍȶȈƺƃɽȈɁȶɰ ƃȶǁ ɰljɨʤȈƺȈȶǼ ʥȈɽȃ ƺʍɰɽɁȴljɨɰ ȶɽɨɁǁʍƺlj ƃǁǁȈɽȈɁȶƃȢ ʤƃȢʍljӸƃǁǁljǁ ƹljȶljǹȈɽɰӗ ȈȶƺȢʍǁȈȶǼ ǁƃɽƃ ɰljƺʍɨȈɽʰ ƃȶǁ ɥɨȈʤƃƺʰ ǹljƃɽʍɨlj ɨljȈȶǹɁɨƺȈȶǼ ɽɨʍɰɽ ƃȶǁ ƺɁȶǹȈǁljȶƺlj ʥȈɽȃ ɁȶȢȈȶlj ƺʍɰɽɁȴljɨɰ KʯɥȢɁɨlj ƃȶǁ ǹɁƺʍɰ Ɂȶ ȶljʥ ƺʍɰɽɁȴljɨ ɰljǼȴljȶɽɰ ƃȶǁ Ɂǹǹljɨ ɽȃljȴ ɽɁɽƃȢ ƃȶǁ ɥɨljȴȈʍȴ ƹƃȶȟȈȶǼ ɰɁȢʍɽȈɁȶɰ ČɽɨljƃȴȢȈȶlj ƃȶǁ ƃʍɽɁȴƃɽlj ƺʍɨɨljȶɽ ƃɥɥȢȈƺƃɽȈɁȶ ɥɨɁƺljɰɰ ɽȃɨɁʍǼȃ Ýě ȈȶȈɽȈƃɽȈʤlj ƃȶǁ ČɽɨƃȈǼȃɽ ɽȃɨɁʍǼȃ ĀɨɁƺljɰɰȈȶǼӝ OUTLOOK AND STRATEGIC PLANS FOR 2021 :ɁȴɥljɽȈɽȈɁȶ ʥȈȢȢ ƹlj Ɂȶ ɽȃlj ɨȈɰlj ƃɰ ʥlj ȴɁʤlj ɽɁʥƃɨǁɰ ƃ ȶljʥ ȶɁɨȴƃȢӝ ǼȈȢlj ƃȶǁ ǁȈǼȈɽƃȢȢʰ ljȴɥɁʥljɨljǁ ƹƃȶȟɰ ʥȈȢȢ ƹlj ƃƹȢlj ɽɁ ǁljȢȈʤljɨ ɰʍɥljɨȈɁɨ ƺʍɰɽɁȴljɨ ljʯɥljɨȈljȶƺljӗ ʥȃȈȢlj ƃȢɰɁ ɰȈȴɥȢȈǹʰȈȶǼ ɥɨɁƺljɰɰljɰ ƃɰ ʥljȢȢ ƃɰ ɥɨɁǁʍƺɽɰ ɽɁ ȴljljɽ ɽȃlj ljʤɁȢʤȈȶǼ ȶljljǁɰ Ɂǹ ƺʍɰɽɁȴljɨɰ Ȉȶ ɽȃlj ɥɁɰɽӸ:ÝřA ljɨƃӝ 9ƃȶȟɰ ʥȈȢȢ ȃƃʤlj ȶɁ ƺȃɁȈƺlj ƹʍɽ ɽɁ ȈȶȶɁʤƃɽlj ƃɽ ƃȢȢ ȢljʤljȢɰ Ɂǹ ƹʍɰȈȶljɰɰ Ȉȶ Ɂɨǁljɨ ɽɁ ǼƃȈȶ ƺɁȴɥljɽȈɽȈʤlj ƃǁʤƃȶɽƃǼljɰ ƃȶǁ ƺƃɽƃȢʰɰlj ɰʍɰɽƃȈȶƃƹȢlj ǼɨɁʥɽȃӝ Ślj ʥȈȢȢӖ ěƃɨǼljɽ ɽɁ ǼɨɁʥ ǹȈȶƃȶƺȈȶǼ ƹʰ ѹӝѺՐӗ ǹɨɁȴ ĄÃѷѴӝѸ ƹȈȢȢȈɁȶ ɽɁ ĄÃѷѷӝѶ ƹȈȢȢȈɁȶ yɁƺʍɰ Ɂȶ ɰljƺʍɨljǁ ǹȈȶƃȶƺȈȶǼ {ɨɁʥ Ɂʍɨ ȶɁȶӸȶƃɽȈɁȶƃȢ ƺƃɨ ȴƃɨȟljɽ ɰȃƃɨlj ɽȃɨɁʍǼȃ ƹljɽɽljɨ ɨƃɽljɰ ƃȶǁ ȈȴɥɨɁʤljǁ ě ěɰ yɁƺʍɰ Ɂȶ ƺɨljǁȈɽ ƺƃɨǁ ƃƺɧʍȈɰȈɽȈɁȶӗ ƃȶǁ Ȉȶƺɨljƃɰlj ɽȃlj ƺƃɨǁ ƹƃɰlj BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 79
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