Bank Islam Integrated Annual Report 2020

82 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 COMMERCIAL BANKING BUSINESS REVIEW Sustainable Prosperity ĀɨɁȴɁɽlj ɨljɰɥɁȶɰȈƹȢlj ɥɨƃƺɽȈƺljɰ ƃȶǁ ɰɁȢʍɽȈɁȶɰ ʥȈɽȃ ljȴɥȃƃɰȈɰ Ɂȶ ȴƃȈȶɰɽɨljƃȴȈȶǼ ɰʍɰɽƃȈȶƃƹȢlj ǹȈȶƃȶƺȈȶǼ • yɁƺʍɰ Ɂȶ Ǽɨljljȶ ɽljƺȃȶɁȢɁǼȈljɰ ɰʍƺȃ ƃɰ ɰɁȢƃɨ ǹƃɨȴ ƃȶǁ ɨljȶljʥƃƹȢlj ljȶljɨǼʰ ɰɁȢʍɽȈɁȶɰ ɽɁ ɰʍɥɥɁɨɽ ǼɁʤljɨȶȴljȶɽ ȈȶȈɽȈƃɽȈʤljɰ ƃɰ ʥljȢȢ ƃɰ ɽȃlj ȶƃɽȈɁȶƃȢ ɽƃɨǼljɽɰ Ɂȶ ǼɨljljȶӸȃɁʍɰljӸǼƃɰ ӯ{‰{Ӱ ɨljǁʍƺɽȈɁȶɰ ƃȶǁ ɽȃlj ƃǼljȶǁƃ ɽɁ ɰȃƃɥlj ƃ ɰʍɰɽƃȈȶƃƹȢlj ǹʍɽʍɨlj • yɁƺʍɰ Ɂȶ ʥƃɰɽlj ȴƃȶƃǼljȴljȶɽ ɥɨɁȚljƺɽɰ ɰʍƺȃ ƃɰ ɨljƺʰƺȢȈȶǼ ƃȶǁ ʥƃɰɽlj ɽɨljƃɽȴljȶɽӗ ƃǼƃȈȶ ɽɁ ɰʍɥɥɁɨɽ ɽȃlj ǼɁʤljɨȶȴljȶɽԇɰ ɥȢƃȶɰ Ɂȶ ƺȈɨƺʍȢƃɨ ljƺɁȶɁȴʰ ɰɁȢʍɽȈɁȶɰ • ĄÃѴѼѴӝѻ ȴȈȢȢȈɁȶ ʥƃɰ ƃɥɥɨɁʤljǁ ǹɁɨ Ǽɨljljȶ ǹȈȶƃȶƺȈȶǼ Ȉȶ ɨljȈȶǹɁɨƺȈȶǼ Ɂʍɨ ƺɁȴȴȈɽȴljȶɽ ɽɁ ɰʍɰɽƃȈȶƃƹȈȢȈɽʰ Customer-Centricity 9ɨȈǁǼlj ƃȶǁ ɰɽɨljȶǼɽȃljȶ ƺʍɰɽɁȴljɨ ɨljȢƃɽȈɁȶɰȃȈɥɰ ɽȃɨɁʍǼȃ ǁljljɥljɨ ljȶǼƃǼljȴljȶɽ ʥȈɽȃ ɽȃlj ɰɽƃȟljȃɁȢǁljɨɰ • KȶǼƃǼljǁ ʥȈɽȃ ljʯȈɰɽȈȶǼ ƺʍɰɽɁȴljɨɰ Ɂȶ ɽȃljȈɨ ǹȈȶƃȶƺȈȶǼ ȶljljǁɰ ӯljɰɥljƺȈƃȢȢʰ ɽɁ ȴȈɽȈǼƃɽlj ʤƃɨȈɁʍɰ Ȉȴɥƃƺɽɰ Ɂǹ ɽȃlj ɥƃȶǁljȴȈƺӰӝ AʍɨȈȶǼ ɽȃlj ʰljƃɨӗ ʥlj ƃɥɥɨɁʤljǁ ĄÃѴӝѸѵ ƹȈȢȢȈɁȶ Ȉȶ ƃǁǁȈɽȈɁȶƃȢ ǹȈȶƃȶƺȈȶǼ ɽɁ Ɂʍɨ ljʯȈɰɽȈȶǼ ƺʍɰɽɁȴljɨɰ • KɰɽƃƹȢȈɰȃljǁ ƃ ǁljǁȈƺƃɽljǁ ʍȶȈɽ ɽɁ ǹɁƺʍɰ Ɂȶ ǹljljӸƹƃɰljǁ ȈȶƺɁȴlj ɽȃƃɽ ȈȶƺȢʍǁljǁ ȴɁȶȈɽɁɨȈȶǼ ƃȶǁ ǼɨɁʥȈȶǼ ǹljljӸƹƃɰljǁ ƹʍɰȈȶljɰɰljɰӝ Žȶ ѵѳѵѳӗ Ɂʍɨ ǹljljӸƹƃɰljǁ ȈȶƺɁȴlj ʥƃɰ ɨljƺɁɨǁljǁ ƃɽ ĄÃѵѴӝѺ ȴȈȢȢȈɁȶ ƃǼƃȈȶɰɽ ɽȃlj ƃȢȢɁƺƃɽljǁ ƹʍǁǼljɽ Ɂǹ ĄÃѴѻ ȴȈȢȢȈɁȶ • Kȶȃƃȶƺljǁ ƹʍɰȈȶljɰɰ ƃȶǁ ljʯɥɁɰʍɨlj Ȉȶ Kƃɰɽ ÃƃȢƃʰɰȈƃ ɨljǼȈɁȶӗ ʥȈɽȃ ǹɁƺʍɰ Ɂȶ ǼɨɁʥȈȶǼ Ɂʍɨ ƃɰɰljɽ ʤƃȢʍljӝ ɰ ƃɽ ѶѴ Aljƺljȴƹljɨ ѵѳѵѳӗ Ɂʍɨ ƃɰɰljɽɰ ʍȶǁljɨ Kƃɰɽ ÃƃȢƃʰɰȈƃ Ǽɨljʥ ƹʰ ĄÃѴѼѻӝѻ ȴȈȢȢȈɁȶ ӯԸѴѹѹՐӰ Real Economy :ƃɽƃȢʰɰlj ɽȃlj ǁljʤljȢɁɥȴljȶɽ Ɂǹ ɽȃlj ƺɨȈɽȈƺƃȢ ȴƃɰɰ Ɂǹ ČÃKɰ ӵ ɽȃlj ƹƃƺȟƹɁȶlj Ɂǹ Ɂʍɨ ɨljƃȢ ljƺɁȶɁȴʰ • :ɁȶɽȈȶʍljǁ ɽɁ ɥɨɁȴɁɽlj ɽȃlj ljʯȈɰɽȈȶǼ řljȶǁɁɨ yȈȶƃȶƺȈȶǼ ĀɨɁǼɨƃȴȴlj ӯřyĀӰӗ ƺɁʤljɨȈȶǼ ČÃKɰ Ȉȶ ɽȃlj ɰʍɥɥȢʰ ƺȃƃȈȶ Ɂǹ Ɂʍɨ ƺɁɨɥɁɨƃɽlj ƺʍɰɽɁȴljɨɰӝ AʍɨȈȶǼ ɽȃlj ʰljƃɨӗ ʥlj ȃƃʤlj ƃɥɥɨɁʤljǁ ƃ ɽɁɽƃȢ Ɂǹ ĄÃѴѻѹӝѺ ȴȈȢȢȈɁȶ ɽɁ ѷѴ ʤljȶǁɁɨɰ ʍȶǁljɨ ɽȃlj ɥɨɁǼɨƃȴȴlj • ¸ljʤljɨƃǼljǁ Ɂȶ Č°ĀĀ {ʍƃɨƃȶɽljlj Čƺȃljȴlj ɽɁ ǼɨɁʥ ɽȃlj ČÃK ɰljǼȴljȶɽӝ Žȶ ѵѳѵѳӗ ʥlj ȃƃʤlj ƃɥɥɨɁʤljǁ ƃ ɽɁɽƃȢ Ɂǹ ĄÃѵѹѸӝѼ ȴȈȢȢȈɁȶ Ȉȶ ǹȈȶƃȶƺȈȶǼ ɽɁ ѴѶѸ ČÃKɰ Digitalisation ÝɥɽȈȴȈɰlj ǁȈǼȈɽƃȢ ɽɁɁȢɰ ƃȶǁ ɽljƺȃȶɁȢɁǼȈljɰ ɽɁ ȈȴɥɨɁʤlj ɥɨɁƺljɰɰ ljǹǹȈƺȈljȶƺȈljɰ ƃȶǁ ɁʍɽƺɁȴljɰ • :ɁȶɽȈȶʍlj ɽɁ ƺȃƃȴɥȈɁȶ ɽȃlj AȈǼȈɽƃȢ řljȶǁɁɨ yȈȶƃȶƺȈȶǼ ĀɨɁǼɨƃȴȴlj ծ 9{ ѴӖѴ ɽɁ ƃʍɽɁȴƃɽlj ƺʍɰɽɁȴljɨɰԇ ɰʍƹȴȈɰɰȈɁȶ ɥɨɁƺljɰɰ ȈȶƺȢʍǁȈȶǼ ɽȃlj ɥɨɁƺljɰɰȈȶǼӣ ʤljɨȈǹȈƺƃɽȈɁȶ ɥɨɁƺljɰɰ ƹʰ ɽȃlj 9ƃȶȟ • ƺƺljȢljɨƃɽlj ɽȃlj ĄɁƹɁɽȈƺ ĀɨɁƺljɰɰ ʍɽɁȴƃɽȈɁȶ ӯĄĀ Ӱӗ ljɰɥljƺȈƃȢȢʰ ǹɁɨ ɨljɥɁɨɽ ǼljȶljɨƃɽȈɁȶ Ɂǹ AƃȈȢʰ ɰɰljɽ ĀɁɰȈɽȈɁȶ ɽɁ :KÝԇɰ Ýǹ ǹ Ȉƺlj ƃȶǁ ÃƃȶƃǼljȴljȶɽ :ɁȴȴȈɽɽljlj ӯÃƃȶ:ɁӰ ȴljȴƹljɨɰ KEY INITIATIVES RM 322.3 million RM 7 billion 2.3 % Total Gross Income Total Asset Gross Impaired Ratio ӯѵѳѴѼӖ ĄÃѶѼѶӝѸ ȴȈȢȢȈɁȶӰ ӯѵѳѴѼӖ ĄÃѹӝѹ ƹȈȢȢȈɁȶӰ ӯѵѳѴѼӖ ѵӝѺՐ Ӱ FINANCIAL HIGHLIGHTS Asset Position ӯĄÃԇ ÃȈȢӰ Income Position ӯĄÃԇ ÃȈȢӰ Asset Quality ӯĄÃԇ ÃȈȢӰ ѹӝѺՐ ӸѴѹӝѹՐ ɰɰljɽ {ɨɁɰɰ ŽȴɥƃȈɨljǁ ĄƃɽȈɁ yljlj 9ƃɰljǁ yʍȶǁ 9ƃɰljǁ 6.99 ‘20 ‘18 ‘19 6.56 6.63 6.99 ‘20 ‘18 ‘19 6.56 6.63 3.0% 2.7% 2.3% 322 ‘20 ‘18 ‘19 394 386 22 23 22