Bank Islam Integrated Annual Report 2020

BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 83 Slow Economic Growth {AĀ ǹɁɨljƺƃɰɽ ƃ ƺɁȶɽɨƃƺɽȈɁȶ Ɂǹ ƹljɽʥljljȶ ѶӝѸՐ ƃȶǁ ѸӝѸՐ ǹɁɨ ѵѳѵѳ AɨȈʤljȶ ƹʰ ƃ ǁljƺȢȈȶlj Ȉȶ ǁɁȴljɰɽȈƺ ǁljȴƃȶǁ ǁʍlj ɽɁ :ÝřŽAӸѴѼ ƃȶǁ ɽȃlj ȴƃȶǁƃɽljǁ ȴɁʤljȴljȶɽ ɨljɰɽɨȈƺɽȈɁȶɰӗ ljʯƃƺljɨƹƃɽljǁ ƹʰ ɥɁȢȈɽȈƺƃȢ ʍȶƺljɨɽƃȈȶɽȈljɰ {AĀ ljʯɥljƺɽljǁ ɽɁ ǼɨɁʥ ƹljɽʥljljȶ ѸӝѸՐ ƃȶǁ ѻՐ Ȉȶ ѵѳѵѴ (source: BNM) Focus on Key Sectors and Government Funding Schemes yɁƺʍɰ Ɂȶ ɽȃlj ȟljʰ ɰljƺɽɁɨɰ ɰʍƺȃ ƃɰ ȃljƃȢɽȃƺƃɨljӗ ɥȃƃɨȴƃƺljʍɽȈƺƃȢӗ Ž:ěӗ ljȶljɨǼʰӣɥɁʥljɨӗ ɥȢƃȶɽƃɽȈɁȶӗ Ȉȶǹɨƃɰɽɨʍƺɽʍɨljӗ ɥɨɁɥljɨɽʰ ǁljʤljȢɁɥȴljȶɽ ¸ljʤljɨƃǼlj Ɂȶ ȶljʥȢʰ Ȣƃʍȶƺȃljǁ 9Çà yʍȶǁ ծ Č°ĀĀ Ǽʍƃɨƃȶɽljlj ɰƺȃljȴljɰ ӯ쥥yӗ ‰ěyӸǎ ӗ Ay ljɽƺӰ ɽɁ ƃɰɰȈɰɽ ČÃKɰ ɽɁ ȶƃʤȈǼƃɽlj ɽȃlj ɥƃȶǁljȴȈƺ ɰȈɽʍƃɽȈɁȶ Volatility of Oil and Gas Sector :ɨʍǁlj ɁȈȢ ǹɁɨljƺƃɰɽ ƃɽ ĩČԤѷѳӸѷѸӣƹƃɨɨljȢ ǹɁɨ ѵѳѵѳ ծ ĩČԤѷѸӸѸѸӣƹƃɨɨljȢ ǹɁɨ ѵѳѵѴ (source: AmInvest) ĀɨɁǁʍƺɽȈɁȶ ȢljʤljȢ ʍȶȢȈȟljȢʰ ɽɁ ɨljɽʍɨȶ ɽɁ ɥɨljӸɥƃȶǁljȴȈƺ ȢljʤljȢɰ Ɂʤljɨ ɽȃlj ȶljʯɽ ѴѵӸѴѻ ȴɁȶɽȃɰ :ɁɰɽӸƺʍɽɽȈȶǼ ȴljƃɰʍɨljɰ ɨƃȴɥƃȶɽ ƃȴɁȶǼɰɽ ÝȈȢ ƃȶǁ {ƃɰ ɥȢƃʰljɨɰ Focus on Structured Financing (Contract/Vendor /Bridging) yɁƺʍɰ Ɂȶ ǼɨɁʥȈȶǼ ljʯȈɰɽȈȶǼ ƺʍɰɽɁȴljɨɰ ʥȈɽȃ ǼɁɁǁ ɽɨƃƺȟ ɨljƺɁɨǁ ƃȶǁ ʥȃɁ ƃɨlj ɰɽɨɁȶǼ ƺɁȶɽɨƃƺɽ ƃʥƃɨǁljɨɰ yɁƺʍɰ Ɂȶ ɰʍɥɥȢʰ ƺɁȶɽɨƃƺɽ ƃȶǁ ƺɁȶɽɨɁȢ ȴljƺȃƃȶȈɰȴӗ ƃȶǁ ǁȈɨljƺɽȢʰ ƃʥƃɨǁljǁ ƹʰ :Ɂȶɽɨƃƺɽ ʥƃɨǁljɨ yȈȶƃȶƺlj ɥɨɁǁʍƺɽ ɥƃƺȟƃǼȈȶǼ ʥȈɽȃ Č°ĀĀ Ǽʍƃɨƃȶɽljlj ɰƺȃljȴlj ɽɁ ȴȈɽȈǼƃɽlj ƺȢljƃȶ ljʯɥɁɰʍɨlj yɁƺʍɰ Ɂȶ ɥʍƹȢȈƺ ǹƃƺȈȢȈɽʰ ƃȶǁ Ȉȶǹɨƃɰɽɨʍƺɽʍɨlj ɥɨɁȚljƺɽɰӣƺɁȶɽɨƃƺɽɰ ǹɨɁȴ ɽȃlj ǼɁʤljɨȶȴljȶɽ Property Overhang ěɁɽƃȢ ɁʤljɨȃƃȶǼ Ȉȶƺɨljƃɰlj ƹʰ ѴѳӝѺՐ ƃȶǁ ѴѶӝѵՐ Ȉȶ ʤɁȢʍȴlj ƃȶǁ ʤƃȢʍlj ɽɁ ѹѶӝѴ¶ ʍȶȈɽɰ ʥɁɨɽȃ ĄÃѷѺ ƹȈȢȢȈɁȶ (source: Napic) ČɁǹɽ ɁʍɽȢɁɁȟ ǁʍlj ɽɁ ljƺɁȶɁȴȈƺ ʍȶƺljɨɽƃȈȶɽȈljɰ ƹʰ :ÝřŽAӸѴѼ ɥƃȶǁljȴȈƺ Kʯƺljɰɰ ɰʍɥɥȢʰ Ɂǹ ȶɁȶӸɨljɰȈǁljȶɽȈƃȢ ƃȶǁ ƺɁȴȴljɨƺȈƃȢ ɥɨɁɥljɨɽȈljɰ ljӝǼӝӗ ɁǹǹȈƺlj ɰɥƃƺlj ƃȶǁ ɰȃɁɥɥȈȶǼ ƺɁȴɥȢljʯ Continue Supporting National Affordable Homes Campaign yɁƺʍɰ Ɂȶ ƃǹǹɁɨǁƃƹȢlj ȃɁȴlj ɥɨɁȚljƺɽɰ ɰʍƺȃ ƃɰ ĀĄŽÃ ӗ ĀĀ à ƃȶǁ Ąĩà ŚŽĀ ÃƃȈȶɽƃȈȶ ɽȈǼȃɽ ɥɨljӸɰƃȢlj ƺɁȶǁȈɽȈɁȶɰ ɥɨȈɁɨ ɽɁ ǁȈɰƹʍɨɰljȴljȶɽ ĀɨȈɁɨȈɽʰ Ɂȶ ǁljʤljȢɁɥljɨɰ ʥȈɽȃ ǼɁɁǁ ɽɨƃƺȟ ɨljƺɁɨǁ ƃȶǁ ɥɨɁȚljƺɽɰ Ȉȶ ɰɽɨƃɽljǼȈƺ ȢɁƺƃɽȈɁȶɰ Mainstreaming Green Financing KʯȈɰɽȈȶǼ ɥȈɥljȢȈȶlj ʍȶǁljɨ ɥɨɁƺljɰɰȈȶǼ ǹɁɨ Ǽɨljljȶ ljȶljɨǼʰ Ȉɰ ĄÃѷѳѳ ȴȈȢȢȈɁȶ Focus on Waste Management and Other Green Economy Solutions :ɁȶɽȈȶʍlj ɽɁ ɽƃɥ ȈȶɽɁ ʥƃɰɽlj ȴƃȶƃǼljȴljȶɽ ƃȶǁ ɨljȢƃɽljǁ ƹʍɰȈȶljɰɰ ʥȃȈƺȃ Ȉɰ Ȉȶ ȢȈȶlj ʥȈɽȃ ȶƃɽȈɁȶƃȢ ʥƃɰɽlj ȴƃȶƃǼljȴljȶɽ ȈȶȈɽȈƃɽȈʤljɰ KʯɥȢɁɨlj ɁɥɥɁɨɽʍȶȈɽȈljɰ ɽɁ ǹȈȶƃȶƺlj Ɂɽȃljɨ Ǽɨljljȶ ljƺɁȶɁȴʰ ɰɁȢʍɽȈɁȶɰ ɰʍƺȃ ƃɰ ƹȈɁɽljƺȃ ƃȶǁ ɨljƺʰƺȢȈȶǼ ɽljƺȃȶɁȢɁǼʰ CHALLENGES AND OPPORTUNITIES