Bank Islam Integrated Annual Report 2020

86 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 TREASURY AND MARKETS BUSINESS REVIEW KEY INITIATIVES Sustainable Prosperity ƺɽȈʤlj ɥƃɨɽȈƺȈɥƃɽȈɁȶ Ȉȶ ǁɨȈʤȈȶǼ ɥɁɰȈɽȈʤlj ƺȃƃȶǼljɰ ʥȈɽȃȈȶ ɽȃlj ŽɰȢƃȴȈƺ ǹȈȶƃȶƺȈƃȢ Ȉȶǁʍɰɽɨʰ ɽȃɨɁʍǼȃ ƺɁȢȢƃƹɁɨƃɽȈɁȶ ʥȈɽȃ ɽȃlj ɰɰɁƺȈƃɽȈɁȶ Ɂǹ ŽɰȢƃȴȈƺ 9ƃȶȟȈȶǼ ŽȶɰɽȈɽʍɽȈɁȶɰ ÃƃȢƃʰɰȈƃ ӯ Ž9ŽÃӰӖ • ĄɁȢȢӸɁʍɽ Ɂǹ ¸ɁƺƃȢȈɰljǁ ěƃȃƃʥʥʍɽ Ãƃɰɽljɨ Ǽɨljljȴljȶɽ ӯěà Ӱ ČƺȃljǁʍȢlj ɽɁ ɽȃlj ŽČA ӣŽŽyà ěà ӗ ƃȶǁ ɽȃlj Ž9ŽÃ ǎA: ĀɨƃƺɽȈƺlj ÇɁɽlj ӯĀÇӰ • ČɽɨƃɽljǼȈƺ Ȉȶɥʍɽ Ɂȶ ɽȃlj ¸Ž9ÝĄ ӯěȃlj ¸ɁȶǁɁȶ ŽȶɽljɨӸƹƃȶȟ Ýǹǹljɨljǁ ĄƃɽljӰ ɽɨƃȶɰȈɽȈɁȶ ɽɁ ȢɽljɨȶƃɽȈʤlj Ąljǹljɨljȶƺlj Ąƃɽljɰ ӯ ĄĄɰӰ AljʤljȢɁɥȴljȶɽ ƃȶǁ ȈȶɽɨɁǁʍƺɽȈɁȶ Ɂǹ 9ƃȶȟ ŽɰȢƃȴԇɰ ĀɨljȴȈljɨ ěɨʍɰɽ yʍȶǁ ʍȶȈɽ ɽɨʍɰɽ ɽɁǼljɽȃljɨ ʥȈɽȃ 9ŽÃ9 Žȶʤljɰɽȴljȶɽ ÃƃȶƃǼljȴljȶɽӗ ƃ ɰʍƹɰȈǁȈƃɨʰ Ɂǹ 9ƃȶȟ ŽɰȢƃȴ KʯljƺʍɽȈɁȶ Ɂǹ ĀljȶǼʍɨʍɰƃȶ Ȉɨ ČljȢƃȶǼɁɨ 9ljɨȃƃǁԇɰ ĄÃѴѳ ƹȈȢȢȈɁȶ ɰʍȟʍȟ ɥɨɁǼɨƃȴȴlj ƃȶǁ ɽȃɨljlj Ɂɽȃljɨ ɰʍȟʍȟ ȴƃȶǁƃɽljɰ ɰljƺʍɨljǁ ǁʍɨȈȶǼ ɽȃlj ʰljƃɨ ʍȶǁljɨ ɨljʤȈljʥӝ ɽɁɽƃȢ Ɂǹ ɰljʤljȶ ɰʍȟʍȟ Ȉɰɰʍƃȶƺljɰ ʥljɨlj ǁȈɰɽɨȈƹʍɽljǁ Ȉȶ yťѵѳѵѳ ʥȃljɨlj ɽȃlj ǁȈʤȈɰȈɁȶ ƃƺɽljǁ ƃɰ ljȈɽȃljɨ ɽȃlj ¸ljƃǁ ÃƃȶƃǼljɨ Ɂɨ °ɁȈȶɽӸ¸ljƃǁ ÃƃȶƃǼljɨ Digitalisation ƺƺljȢljɨƃɽlj ǁȈǼȈɽƃȢȈɰƃɽȈɁȶ ljǹǹɁɨɽɰ ɽɁʥƃɨǁɰ ɽɨƃȶɰǹɁɨȴȈȶǼ ɥƃɨɽɰ Ɂǹ Ɂʍɨ ɽɨƃǁȈɽȈɁȶƃȢ ƹʍɰȈȶljɰɰ ȴɁǁljȢɰ ƃȶǁ ljȶȃƃȶƺȈȶǼ Ɂʍɨ ƺȢȈljȶɽɰԇ ƃƺƺljɰɰ ɽɁ ǹȈȶƃȶƺȈƃȢ ɰɁȢʍɽȈɁȶɰ • AljʤljȢɁɥȴljȶɽ Ɂǹ ljӸɨljȴȈɽɽƃȶƺljɰ ǹɁɨ 9ƃȶȟ ŽɰȢƃȴ {Ý ÃɁƹȈȢlj ɥɥӗ ljȶƃƹȢȈȶǼ ǹȢljʯȈƹȈȢȈɽʰ ƃȶǁ ƺɁȶʤljȶȈljȶƺlj ǹɁɨ Ɂʍɨ ƺʍɰɽɁȴljɨɰ ɽɁ ljʯljƺʍɽlj ɨljȴȈɽɽƃȶƺljɰ ɽȃɨɁʍǼȃ ȴɁƹȈȢlj ǁljʤȈƺljɰ • :ɁȢȢƃƹɁɨƃɽȈɁȶ ʥȈɽȃ ɽljƺȃȶɁȢɁǼʰ ɥƃɨɽȶljɨɰ Ȉȶ ǁljʤljȢɁɥȈȶǼ ƃ ǁȈǼȈɽƃȢ ƺʍɨɨljȶƺʰ ɁɨǁljɨȈȶǼ ɥȢƃɽǹɁɨȴ ƃȶǁ ljȶȃƃȶƺljȴljȶɽ Ɂǹ ɽȃlj ƹƃȶȟԇɰ ȈӸČĀ¸Ç ɰʰɰɽljȴ ӵ ƃ ɰȈȶǼȢljӸʥȈȶǁɁʥ ɥȢƃɽǹɁɨȴ ǹɁɨ ƹʍɰȈȶljɰɰljɰ ɽɁ ljǹǹȈƺȈljȶɽȢʰ ɽɨƃȶɰǹljɨ ȴɁȶljʰ ɽȃɨɁʍǼȃ 9ƃȶȟ ŽɰȢƃȴ Increase focus on customers, bringing relevant products and services based on their risk appetite ƺȃȈljʤlj ƃȶǁ ȴƃȈȶɽƃȈȶ ƃ Çljɽ ĀɨɁȴɁɽljɨ ČƺɁɨlj ӯÇĀČӰ ƃȶǁӣ Ɂɨ :ʍɰɽɁȴljɨ ČƃɽȈɰǹƃƺɽȈɁȶ ӯ:Č ěӰ ɰƺɁɨlj Ȉȶ ɽȃlj ɽɁɥ ɥljɨƺljȶɽȈȢljӗ ƺɁȴɥƃɨƃƹȢlj ɽɁ Ɂɽȃljɨ ŽɰȢƃȴȈƺ 9ƃȶȟɰ • ¶ljljɥ ƺʍɰɽɁȴljɨɰ ȈȶǹɁɨȴljǁ Ɂǹ ɨljǼʍȢƃɽɁɨʰӗ ljƺɁȶɁȴȈƺ ƃȶǁ ȴɁȶljɽƃɨʰ ɥɁȢȈƺʰ ƺȃƃȶǼljɰ ȈȴɥƃƺɽȈȶǼ ɽȃlj ŽɰȢƃȴȈƺ ǹȈȶƃȶƺȈƃȢ ȴƃɨȟljɽɰӗ ȃljȢɥȈȶǼ ɽȃljȴ ɽɁ ȴƃȟlj ȈȶǹɁɨȴljǁ ǁljƺȈɰȈɁȶɰӗ ƃɰ ʥljȢȢ ƃɰ ȴƃȶƃǼlj ɽȃlj ɨȈɰȟɰ Ɂȶ ɽȃljȈɨ ǁljɥɁɰȈɽɰӗ Ȉȶʤljɰɽȴljȶɽɰ ƃȶǁ ǹȈȶƃȶƺȈȶǼ ɨljɧʍȈɨljȴljȶɽɰ • ŽȶɽɨɁǁʍƺɽȈɁȶ Ɂǹ yŤ yɁɨʥƃɨǁ AʰȶƃȴȈƺ ‰ljǁǼȈȶǼ ɽɁ ƃȢȢɁʥ Ɂʍɨ ƺȢȈljȶɽɰ ɽɁ ƹljɽɽljɨ ȴƃȶƃǼlj ɽȃljȈɨ yŤ ɨȈɰȟɰ Ȉȶ ʤɁȢƃɽȈȢlj ȴƃɨȟljɽɰ ƺɁȶǁȈɽȈɁȶɰӢ ƺɁȢȢƃƹɁɨƃɽȈɁȶ ʥȈɽȃ 9ŽÃ9 Žȶʤljɰɽӗ ŚljƃȢɽȃ ÃƃȶƃǼljȴljȶɽ ƃȶǁ ĀɨɁǁʍƺɽ ÃƃȶƃǼljȴljȶɽ ǁȈʤȈɰȈɁȶɰ ɽɁ ǁljʤljȢɁɥӗ ƺɁȴɥȢljɽlj ƃȶǁ Ȣƃʍȶƺȃ 9ƃȶȟ ŽɰȢƃȴ ĀɨljȴȈljɨ yʍȶǁ ĩȶȈɽ ěɨʍɰɽɰ • AljʤljȢɁɥȴljȶɽ ƃȶǁ ljʯljƺʍɽȈɁȶ Ɂǹ ɽȃlj ČljȢȢ ծ 9ʍʰ 9ƃƺȟ Ǽɨljljȴljȶɽ ӯČ99 Ӱ ƃȶǁ :ɁȢȢƃɽljɨƃȢȈɰljǁ :ɁȴȴɁǁȈɽʰ Ãʍɨƃƹƃȃƃȃ ӯ::ÃӰ ɥɨɁǁʍƺɽɰ ɽɁ ǁȈʤljɨɰȈǹʰ Ɂʍɨ ɥɁɨɽǹɁȢȈɁ Ɂǹ ɥɨɁǁʍƺɽɰ ɽɁ ljǹǹljƺɽȈʤljȢʰ ȴljljɽ ɽȃlj ǁȈǹǹljɨȈȶǼ ȶljljǁɰ Ɂǹ Ɂʍɨ ƺʍɰɽɁȴljɨɰ ƃȶǁ ɽɁ ljȶȃƃȶƺlj ȢȈɧʍȈǁȈɽʰ ȴƃȶƃǼljȴljȶɽ ʥȈɽȃ Ȉȶɽljɨƹƃȶȟ ƃȶǁ ƺɁɨɥɁɨƃɽlj ƺɁʍȶɽljɨɥƃɨɽȈljɰ • ĄljǼʍȢƃɨ ƺʍɰɽɁȴljɨ ljȶǼƃǼljȴljȶɽɰ ʥȈɽȃ ɽȃlj ljƺɁȶɁȴȈƺ ɨljɰljƃɨƺȃ ɽljƃȴ ƃȶǁ ǁljǁȈƺƃɽljǁ ɽɨljƃɰʍɨʰ ɰɥljƺȈƃȢȈɰɽɰ ɽɁ ɥɨɁʤȈǁlj ɽȃljȴ ʥȈɽȃ ƺʍɰɽɁȴȈɰljǁ ȴƃɨȟljɽ ȈȶɰȈǼȃɽɰ ƃȶǁ ɰɽɨƃɽljǼȈljɰӗ ljȶƃƹȢȈȶǼ ɽȃljȴ ɽɁ ƹljɽɽljɨ ȴƃȶƃǼlj ɽȃljȈɨ ǹȈȶƃȶƺȈƃȢ ȴƃɨȟljɽ ɨȈɰȟɰ • ČɥljƃɨȃljƃǁȈȶǼ ɽȃlj ¸Ž9ÝĄӣ¶¸Ž9ÝĄ ěɨƃȶɰȈɽȈɁȶ ljʯljɨƺȈɰlj ʥȈɽȃȈȶ ɽȃlj ƹƃȶȟӗ ʥɁɨȟȈȶǼ ƺȢɁɰljȢʰ ʥȈɽȃ Ãƃɨȟljɽ ĄȈɰȟӗ yȈȶƃȶƺljӗ ¸ljǼƃȢӗ ČȃƃɨȈƃȃӗ Žěӗ :ɁɨɥɁɨƃɽlj ƃȶǁ :ɁȴȴljɨƺȈƃȢ ƹƃȶȟȈȶǼ ǁȈʤȈɰȈɁȶɰ ɽɁ ljȶɰʍɨlj ɰȴɁɁɽȃ ƃȶǁ ȃɁȢȈɰɽȈƺ ɽɨƃȶɰȈɽȈɁȶ ɽɁ ȢɽljɨȶƃɽȈʤlj Ąljǹljɨljȶƺlj Ąƃɽljɰ ӯ ĄĄɰӰ FINANCIAL HIGHLIGHTS RM 785 million 61 % 39 % Total Revenue Composition of Income ӯѵѳѴѼӖ ĄÃѺѶѹӝѷѼ ȴȈȢȢȈɁȶӰ Fund Based Non-Fund Based Treasury Assets ӯĄÃԇ ÃȈȢӰ 18,616 ‘20 ‘18 ‘19 15,856 15,624 Treasury Income ӯĄÃԇ ÃȈȢӰ 310 475 ‘20 ‘18 88 191 486 545 ‘19 yʍȶǁ 9ƃɰljǁ ÇɁȶӸyʍȶǁ 9ƃɰljǁ