Bank Islam Integrated Annual Report 2020

80 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 DEPOSITS AND CASH MANAGEMENT BUSINESS REVIEW Sustainable Prosperity KȴɥɁʥljɨ ƺʍɰɽɁȴljɨɰ ɽɁ ƃƺƺljɰɰ ƃȶǁ ƹljȶljǹȈɽ ǹɨɁȴ Ɂʍɨ ljʤɁȢʤȈȶǼ ǹȈȶƃȶƺȈƃȢ ƃɰ ʥljȢȢ ƃɰ ɽljƺȃȶɁȢɁǼʰ ɰɁȢʍɽȈɁȶɰ • ¸ƃʍȶƺȃljǁ ƃ ɰljɨȈljɰ Ɂǹ ƺʍɰɽɁȴljɨ Ɂʍɽɨljƃƺȃ ƺƃȴɥƃȈǼȶɰ ɽɁ ɨƃȈɰlj ƃʥƃɨljȶljɰɰ ƃȶǁ ǼɨɁʥ ǁljɥɁɰȈɽɰ ʍȶǁljɨ ʤƃɨȈɁʍɰ ɰljǼȴljȶɽɰ ɰʍƺȃ ƃɰ ȢӸ ʥǹƃɨ ƃƺƺɁʍȶɽ ȃɁȢǁljɨɰӗ ČÃKɰ ƃȶǁ ƺɁɨɥɁɨƃɽljɰ • yɁɨǼljǁ ɥƃɨɽȶljɨɰȃȈɥɰ ʥȈɽȃ ǼɁʤljɨȶȴljȶɽ ƃǼljȶƺȈljɰ ƃȶǁ ʍȶȈʤljɨɰȈɽȈljɰ ɽɁ ɥɨɁȴɁɽlj 9ʍȢȟ ƺƺɁʍȶɽ ÝɥljȶȈȶǼ ǹɁɨ ɽȃljȈɨ ljȴɥȢɁʰljljɰ ƃȶǁ ɰɽʍǁljȶɽɰӝ Ýɽȃljɨ ƺɁȢȢƃƹɁɨƃɽȈʤlj ljǹǹɁɨɽɰ ȈȶƺȢʍǁlj :ɁӸƹɨƃȶǁȈȶǼ ǹɁɨ Ɂʍɨ AljƹȈɽ :ƃɨǁɰ ɽɁ ljȶȃƃȶƺlj ƹʍɰȈȶljɰɰ ɨljȢƃɽȈɁȶɰȃȈɥɰ ʥȈɽȃ ɽƃɨǼljɽljǁ ƃɰɰɁƺȈƃɽȈɁȶɰӗ ƃȶǁ ƹʍɰȈȶljɰɰ ɥƃɨɽȶljɨɰӗ ʥȃȈƺȃ ƃȢɰɁ ƺɁȶɽɨȈƹʍɽlj ɽɁ ȈȶƺɨljƃɰȈȶǼ ȶljʥ ƃƺƺɁʍȶɽ ɰʍƹɰƺɨȈɥɽȈɁȶɰ • ĀɨɁȴɁɽljǁ :ƃɰȃ ÃƃȶƃǼljȴljȶɽ ɰɁȢʍɽȈɁȶɰ ɽɁ ǁȈʤljɨɰlj ƺʍɰɽɁȴljɨɰӗ ȈȶƺȢʍǁȈȶǼ ƺɁɁɥljɨƃɽȈʤljɰӗ ȴɁɰɧʍljɰӗ ȃljƃȢɽȃƺƃɨlj ƺɁȴɥƃȶȈljɰӗ ɰƺȃɁɁȢɰ ƃȶǁ ȢljǼƃȢ ǹȈɨȴɰӝ ȢɰɁ ȈȶɽɨɁǁʍƺljǁ lj9ƃȶȟljɨ ɽɁ ɽȃlj ƹʍɰȈȶljɰɰ ƺɁȴȴʍȶȈɽʰ ƃȶǁ ǹɁɨ ƃ ɰʍɥljɨȈɁɨ ƺʍɰɽɁȴljɨ ljʯɥljɨȈljȶƺlj • :ɁȢȢƃƹɁɨƃɽljǁ ʥȈɽȃ ɽȃlj ɨljȢȈǼȈɁʍɰ ƃȶǁ Źƃȟƃɽ ƃʍɽȃɁɨȈɽȈljɰ ƃɰ ʥljȢȢ ƃɰ Ç{Ýɰ Ɂȶ ljӸČƃǁƃɧƃȃӣljӸƺɁȶɽɨȈƹʍɽȈɁȶ ƹʰ ɁǹǹljɨȈȶǼ ČȶƃɥÇĀƃʰ ǹƃƺȈȢȈɽʰ ɽɁ ɽȃlj ȢɁƺƃȢ ƃʍɽȃɁɨȈɽȈljɰ ƃȶǁ ȴɁɰɧʍljɰ • ŽȶɽɨɁǁʍƺljǁ ljӸ°ƃȴȈȶ ʥȃȈƺȃ ƃȢȢɁʥɰ ƹƃȈȢɁɨɰ ɽɁ ɥɁɰɽ ƹƃȈȢ ʤȈƃ ɁȶȢȈȶljӗ ljȢȈȴȈȶƃɽȈȶǼ ɽȃlj ɽȈȴlj ƺɁȶɰʍȴȈȶǼ ɥɨɁƺljɰɰ Ɂǹ ɽɨƃʤljȢȢȈȶǼ ƹljɽʥljljȶ ɽȃlj ƺɁʍɨɽɰ ƃȶǁ ɽȃlj 9ƃȶȟӝ Customer-Centricity ŽȶȶɁʤƃɽlj ƃȶǁ ȈȶɽɨɁǁʍƺlj ɥɨɁǁʍƺɽɰ ƃȶǁ ɰljɨʤȈƺljɰ ʥȃȈƺȃ ƃǁǁɨljɰɰ ɨljƺʍɨɨȈȶǼ ɰɁƺȈƃȢ Ȉɰɰʍljɰ ƃȶǁ ǹȈȶƃȶƺȈƃȢ ƺɁȶǹȢȈƺɽɰ Ɂǹ Ɂʍɨ ʤƃȢʍljǁ ƺʍɰɽɁȴljɨɰ • ¸ƃʍȶƺȃ ƃ ȶljʥ ɰljɨʤȈƺlj ɽɁ ƃȢȢɁʥ ƃɥɥɁȈȶɽȴljȶɽ Ɂǹ ƃ ÇɁȴȈȶljlj ǹɁɨ AljɥɁɰȈɽ ƃȶǁ Žȶʤljɰɽȴljȶɽ ƺƺɁʍȶɽɰ ǹɁɨ ȈȶǁȈʤȈǁʍƃȢ ƺʍɰɽɁȴljɨɰӗ ɨljǁʍƺȈȶǼ ɽȃlj Ȉɰɰʍlj Ɂǹ ʍȶƺȢƃȈȴljǁ ȴɁȶȈljɰ ƃȶǁ ƃʤɁȈǁ ɽȃlj ɥɁɰɰȈƹȢlj ƺɁȶǹȢȈƺɽɰ ƃȴɁȶǼɰɽ ǹƃȴȈȢʰ ȴljȴƹljɨɰ Ɂǹ ɽȃlj ǁljƺljƃɰljǁ • ¸ƃʍȶƺȃ ěƃȟƃǹʍȢ ěʍȶƃȈ Kȃɰƃȶ ʥȃȈƺȃ Ɂǹǹljɨɰ ɽɨʍɰɽ ƃƺƺɁʍȶɽ ȃɁȢǁljɨɰ ɽȃlj ƹljȶljǹȈɽ Ɂǹ ɽƃȟƃǹʍȢ ƺɁʤljɨƃǼlj Ȉȶ ɽȃlj ljʤljȶɽ Ɂǹ ǁljƃɽȃ Ɂɨ ɽɁɽƃȢ ƃȶǁ ɥljɨȴƃȶljȶɽ ǁȈɰƃƹȈȢȈɽʰ ǁʍlj ɽɁ ȶƃɽʍɨƃȢ Ɂɨ ƃƺƺȈǁljȶɽƃȢ ƺƃʍɰljɰӝ Digitalisation ƺƺljȢljɨƃɽlj ǁȈǼȈɽƃȢ ljȶƃƹȢljȴljȶɽ ɽɁ ljȶɰʍɨlj ɰljƃȴȢljɰɰ ǁljȢȈʤljɨʰ Ɂǹ ƺʍɰɽɁȴljɨ ɰɁȢʍɽȈɁȶɰ • Kȶȃƃȶƺlj lj9ƃȶȟljɨ ÝȶȢȈȶlj ĄljǼȈɰɽɨƃɽȈɁȶ ɽɁ ɨljǁʍƺlj ɽȃlj ě ě ƃȶǁ ȴƃȶʍƃȢ ɥɨɁƺljɰɰljɰ Ȉȶ ɽȃlj ƹƃƺȟ ɁǹǹȈƺlj ƃɰ ʥljȢȢ ƃɰ ɽȃlj ɥɨɁƹƃƹȈȢȈɽʰ Ɂǹ ljɨɨɁɨɰ ǁʍɨȈȶǼ ɥɨɁƺljɰɰȈȶǼ • ŽȶɽɨɁǁʍƺlj ÇɁȶ yƃƺljӸěɁӸyƃƺlj ӯÇyěyӰ ƃƺƺɁʍȶɽ ɁɥljȶȈȶǼ ǹɁɨ ljʯȈɰɽȈȶǼ ƺʍɰɽɁȴljɨɰ ƃɰ ɽȃlj ȶljʥ ȶɁɨȴ Ȉȶ ɨljɰɥɁȶɰlj ɽɁ ɽȃlj ǼɨɁʥȈȶǼ ƺʍɰɽɁȴljɨɰԇ ȶljljǁӗ ljɰɥljƺȈƃȢȢʰ ɽɁ ȴƃȶƃǼlj ʤƃɨȈɁʍɰ ǹȈȶƃȶƺȈƃȢ ƺɁȴȴȈɽȴljȶɽɰ • ŽȶɽɨɁǁʍƺlj ¶ȈɥȢljĩȶȈ ɰljɨʤȈƺlj ӯȈȶ ƺɁȢȢƃƹɁɨƃɽȈɁȶ ʥȈɽȃ ¶ȈɥȢljĀƃʰӰ ɽɁ ʍȶȈʤljɨɰȈɽʰ ɰɽʍǁljȶɽɰ ƹʰ ȢȈȶȟȈȶǼ ɽȃljȈɨ ƺɨljǁȈɽ ƃȶǁ ǁljƹȈɽ ƺƃɨǁɰ ǹɁɨ ǁȈɨljƺɽ ƺƃɰȃȢljɰɰ ɥƃʰȴljȶɽɰ ʥȈɽȃȈȶ ɽȃlj ʍȶȈʤljɨɰȈɽȈljɰ ƃȶǁ Ɂɽȃljɨ ɰljȢljƺɽljǁ ȴljɨƺȃƃȶɽɰ ɁʍɽɰȈǁlj ɽȃlj ƺƃȴɥʍɰljɰӝ KEY INITIATIVES Real Economy ČʍɥɥɁɨɽ ɽȃlj ȶƃɽȈɁȶƃȢ ƃǼljȶǁƃ Ɂǹ ɥɨɁȴɁɽȈȶǼ Ǽɨljljȶ ljƺɁȶɁȴʰ ɰɁȢʍɽȈɁȶɰ ƃɰ ʥljȢȢ ƃɰ ČÃK ǁljʤljȢɁɥȴljȶɽ • ŽȶȈɽȈƃɽlj lj9ƃȶȟljɨ ¸Ȉɽlj ǹɁɨ ČÃKɰ ɽɁ Ȉȶƺɨljƃɰlj ɽȃlj ȶʍȴƹljɨ Ɂǹ lj9ƃȶȟljɨ ʍɰljɨɰӝ Deposits & Investment (Total Outstanding) ӯĄÃԇ 9ȈȢӰ Deposit & Investment (Growth) ӯĄÃԇ 9ȈȢӰ 8.4 % RM1 billion NON-CASATIA Growth ӯѵѳѴѼӖ ѶѳӝѺՐ ӣ ĄÃѵӝѼ ƹȈȢȢȈɁȶӰ 20.8 % RM3.9 billion CASATIA Growth ӯѵѳѴѼӖ ѺӝѸՐ ӣ ĄÃѴӝѶ ƹȈȢȢȈɁȶӰ FINANCIAL HIGHLIGHTS 4.96 2.38 2.58 ‘20 ‘18 ‘19 4.22 2.76 1.46 1.61 0.89 0.72 ŽȶǁȈʤȈǁʍƃȢ ÇɁȶӸŽȶǁȈʤȈǁʍƃȢ ÝʤljɨƃȢȢ 36.17 24.15 12.02 ‘20 ‘18 ‘19 31.21 21.77 9.44 19.02 26.99 7.98