Bank Islam Integrated Annual Report 2020
ěȃlj ʰljƃɨ ѵѳѵѴ ʥȈȢȢ ƺɁȶɽȈȶʍlj ɽɁ ɰljlj ɨƃɥȈǁ ƺȃƃȶǼljɰ Ȉȶ ɽȃlj ƹƃȶȟȈȶǼ ɽljƺȃȶɁȢɁǼʰ ƃȶǁ ǁȈǼȈɽƃȢȈɰƃɽȈɁȶ ljǹǹɁɨɽɰӗ ȴƃȈȶȢʰ ɽɁ ƺƃɽljɨ ɽɁ ɽȃlj ȈȶƺɨljƃɰȈȶǼ ȶʍȴƹljɨ Ɂǹ ǁȈǼȈɽƃȢȢʰӸɰƃʤʤʰ ƺʍɰɽɁȴljɨɰӗ ʥȈɽȃ ɨȈɰȈȶǼ ljʯɥljƺɽƃɽȈɁȶɰ Ɂȶ ɽȃljȈɨ ǁȈǼȈɽƃȢ ƹƃȶȟȈȶǼ ljʯɥljɨȈljȶƺljӝ Ślj ʥȈȢȢ ƃȢɰɁ ƺɁȶɽȈȶʍlj ɽɁ ljʯɥljɨȈljȶƺlj ǁȈɰɨʍɥɽȈɁȶɰ Ȉȶ ɰʍɥɥȢʰ ƺȃƃȈȶӗ ɰȢɁʥljɨ ɽȃƃȶ ljʯɥljƺɽljǁ ƹʍɰȈȶljɰɰ ɨljƺɁʤljɨʰӗ ƃȶǁ ɽȃlj ǹƃɰɽӸƺȃƃȶǼȈȶǼ ɨljǼʍȢƃɽɁɨʰ Ȣƃȶǁɰƺƃɥlj ӯƃȶǁ ɽȃlj ƃɰɰɁƺȈƃɽljǁ ɽɨƃȶɰȈɽȈɁȶ ɨȈɰȟɰӰӗ ʥȈɽȃ ȶljʥ ȶɁɨȴɰ ƃȶǁ ǼʍȈǁljȢȈȶljɰ Ȉȶ ɽȃlj ɥɁɰɽӸ:ÝřA ljɨƃӝ Ýʍɨ ljǹǹɁɨɽɰ ʥȈȢȢ ǹɁƺʍɰ ɁȶӖ KȶɨȈƺȃȈȶǼ ƺʍɰɽɁȴljɨ ljʯɥljɨȈljȶƺlj ƃȶǁ ƺɨljƃɽȈȶǼ ʤƃȢʍlj ƹʰ ȟljljɥȈȶǼ ƺʍɰɽɁȴljɨɰ ƃɰ ɽȃlj ǹɁƺƃȢ ɥɁȈȶɽ ƃƺɨɁɰɰ ƃȢȢ ǁljȢȈʤljɨʰ ƺȃƃȶȶljȢɰӗ ǁȈǼȈɽƃȢ ɰɽɨƃɽljǼȈljɰ ƃȶǁ ȴƃɨȟljɽȈȶǼ ƃɥɥɨɁƃƺȃljɰ AljɰȈǼȶȈȶǼ ƃȶǁ ǁljȢȈʤljɨȈȶǼ ǁȈɰɽȈȶƺɽȈʤlj ɥɨɁǁʍƺɽɰ ƃȶǁ ɰɁȢʍɽȈɁȶɰ ɽɁ ȶȈƺȃljӗ ʍȶǁljɨɰljɨʤljǁ ƃȶǁ ʍȶɽƃɥɥljǁ ƺʍɰɽɁȴljɨ ɰljǼȴljȶɽɰӗ ȈȶƺȢʍǁȈȶǼ ɽȃlj ƺɨȈɽȈƺƃȢ ȴƃɰɰ Ɂǹ ČÃKɰ ČɽɨƃɽljǼȈƺ ƺɁȢȢƃƹɁɨƃɽȈɁȶɰ ʥȈɽȃ ȈȶɽljɨȶƃȢ ƃȶǁ ljʯɽljɨȶƃȢ ɰɽƃȟljȃɁȢǁljɨɰӗ ȈȴɥɨɁʤȈȶǼ ɰʰɰɽljȴɰ ƃȶǁ ɥɨɁƺljɰɰljɰӗ ȈǁljȶɽȈǹʰȈȶǼ ɰʰȶljɨǼȈljɰ ɽɁ ƺɨljƃɽlj ʤƃȢʍljӗ ƃȶǁ ȢljʤljɨƃǼȈȶǼ Ɂȶ ljƃƺȃ Ɂɽȃljɨԇɰ ɰɽɨljȶǼɽȃɰ ɽɁ ǼɨɁʥ ƹʍɰȈȶljɰɰ ɁɥɥɁɨɽʍȶȈɽȈljɰ {ɁɁǁ ǼɁʤljɨȶƃȶƺlj ƹʰ ȴɁȶȈɽɁɨȈȶǼ ȴƃɨȟljɽ ȴɁʤljȴljȶɽɰ ƃȶǁ ɨljɰɥɁȶǁȈȶǼ ɽɁ ɨljǼʍȢƃɽɁɨʰ ƺȃƃȶǼljɰ ljǹǹȈƺȈljȶɽȢʰ ƃȶǁ ljǹǹljƺɽȈʤljȢʰ ÃƃȈȶɽƃȈȶȈȶǼ ɽȃlj 9ƃȶȟԇɰ ȢȈɧʍȈǁȈɽʰ ƃǁljɧʍƃƺʰ ɨƃɽȈɁ ƃɰ ʥljȢȢ ƃɰ ȴƃȶƃǼȈȶǼ ƺɁɰɽ Ɂǹ ǹʍȶǁɰ ɽȃɨɁʍǼȃ ɰɽɨƃɽljǼȈƺ ɥɁɰȈɽȈɁȶȈȶǼ Ɂǹ ɨljɰɁʍɨƺljɰ ƃȶǁ ɥɨʍǁljȶɽ ƃɰɰljɽ ƃȢȢɁƺƃɽȈɁȶ ƃȶǁ ƺɁɰɽ ȴƃȶƃǼljȴljȶɽ ɰɽɨƃɽljǼȈljɰ OUTLOOK AND STRATEGIC PLANS FOR 2021 Economic Slowdown due to the :ÝřAӸѴѼ Pandemic Rapid Changes in Banking Technology and Digitalisation ěƃɥ ȶȈƺȃlj ȴƃɨȟljɽɰ ƃȶǁ ǁȈʤljɨɰlj ƺʍɰɽɁȴljɨ ɰljǼȴljȶɽɰ ɽȃɨɁʍǼȃ ɽƃɨǼljɽljǁ ɥɨɁǁʍƺɽ ƺƃȴɥƃȈǼȶɰӗ ȴʍȢɽȈɥȢlj ȶljʥ ƹʍɰȈȶljɰɰ ƺȃƃȶȶljȢɰӗ ɥɨɁǁʍƺɽ ʤƃɨȈƃɽȈɁȶɰ Ɂɨ ȈȶȶɁʤƃɽȈɁȶӗ ƃɰ ʥljȢȢ ƃɰ ʤƃȢʍljӸƃǁǁljǁ ɥɨɁǁʍƺɽ ǹljƃɽʍɨljɰ ƃȶǁ ƹljȶljǹȈɽɰ Ȉȶ ȟljljɥȈȶǼ ʥȈɽȃ Ɂʍɨ ƺɁȴȴȈɽȴljȶɽ ɽɁ ǁljȢȈʤljɨ ʤƃȢʍlj ɽɁ Ɂʍɨ ƺʍɰɽɁȴljɨɰӗ ljɰɥljƺȈƃȢȢʰ Ȉȶ ɽɨʰȈȶǼ ɽȈȴljɰ {Ɂ ƃǼȈȢlj ɽȃɨɁʍǼȃ ɥɨɁǁʍƺɽ ƃȶǁ ɥɨɁƺljɰɰ ȈȴɥɨɁʤljȴljȶɽɰ ɽɁ ɰɽɨljȶǼɽȃljȶ Ɂʍɨ ʤƃȢʍlj ɥɨɁɥɁɰȈɽȈɁȶ ɽɁ ƺʍɰɽɁȴljɨɰ ȶɽɨɁǁʍƺljǁ ƃ ȶljʥ Ãƃʯ:ƃɰȃ ƺƃȴɥƃȈǼȶ ǹɁɨ ƺʍɰɽɁȴljɨɰ ɽɁ ljƃɨȶ ȃȈǼȃ ɨljɽʍɨȶɰ ǹɁɨ ɰȃɁɨɽӸ ƃȶǁ ȴȈǁӸɽljɨȴ Ȉȶʤljɰɽȴljȶɽɰ ǁʍɨȈȶǼ ɽȃlj ɽʍɨƹʍȢljȶɽ ʰljƃɨ ¸ƃʍȶƺȃljǁ ɽȃlj Ȉ{ƃȈȶ ČÃK ƺƃȴɥƃȈǼȶӗ ɥɨɁȴɁɽȈȶǼ ƃ ɽɨƃȶɰƃƺɽȈɁȶƃȢ Ȉȶʤljɰɽȴljȶɽ ƃƺƺɁʍȶɽ ʥȃljɨljƹʰ ČÃKɰ ӯƃȴȈǁɰɽ :ÝřAӸѴѼ ȴɁʤljȴljȶɽ ɨljɰɽɨȈƺɽȈɁȶɰӰ ƺƃȶ ɰɽȈȢȢ ƃƺƺljɰɰ ƹƃȶȟȈȶǼ ǹƃƺȈȢȈɽȈljɰ ɰʍƺȃ ƃɰ ÃɁƹȈȢlj 9ƃȶȟȈȶǼӗ AljƹȈɽ :ƃɨǁӗ ČɽƃȶǁȈȶǼ ȶɰɽɨʍƺɽȈɁȶ ƃȶǁ Ɂɽȃljɨ ǹƃƺȈȢȈɽȈljɰ ȶɽɨɁǁʍƺljǁ ɽȃlj ȶljʥ ȢӸ ʥǹƃɨ KȢȈɽlj :ƃȴɥƃȈǼȶ ɽȃƃɽ Ɂǹǹljɨɰ ɥƃɨɽȈƺȈɥƃȶɽɰ ɽɁ ǼƃȈȶ ljʤljȶ ȴɁɨlj ɨljɽʍɨȶɰ Ɂȶ ƃǁǁȈɽȈɁȶƃȢ Ȉȶʤljɰɽȴljȶɽɰ ȈȶɽɁ ɽȃljȈɨ ȢӸ ʥǹƃɨ ƃƺƺɁʍȶɽɰӗ ǼȈʤȈȶǼ ɽȃljȴ ƃȶ ɁɥɥɁɨɽʍȶȈɽʰ ɽɁ ʥȈȶ ɥɨȈ˃ljɰ ƺƺɁʍȶɽ ɁɥljȶȈȶǼ ʍɰȈȶǼ ȈĀƃǁ ɽȃɨɁʍǼȃ ÃɁƹȈȢlj ÝȶӸ9ɁƃɨǁȈȶǼ ӯÃÝ9Ӱ ƃɥɥɰ CHALLENGES AND OPPORTUNITIES BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 81
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