Bank Islam Integrated Annual Report 2020

BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 87 OUTLOOK AND STRATEGIC PLANS FOR 2021 CHALLENGES AND OPPORTUNITIES ¸ɁƺƃȢ ƃȶǁ ȈȶɽljɨȶƃɽȈɁȶƃȢ ȴƃɨȟljɽɰӗ ljƺɁȶɁȴȈljɰ ƃȶǁ ƹʍɰȈȶljɰɰljɰ ƺɁȶǁȈɽȈɁȶɰ ʥȈȢȢ ƺɁȶɽȈȶʍlj ɽɁ ƹlj ƹʍǹǹljɽljǁ ƹʰ ɽȃlj ɁȶǼɁȈȶǼ ɥƃȶǁljȴȈƺӗ ƺȃƃȢȢljȶǼȈȶǼ ɽȃlj ƃƹȈȢȈɽʰ Ɂǹ ǼɁʤljɨȶȴljȶɽɰӗ ƹʍɰȈȶljɰɰljɰӗ ƃȶǁ ƺɁȶɰʍȴljɨɰ ɽɁ ƹɁʍȶƺlj ƹƃƺȟ ɽɁ ƹʍɰȈȶljɰɰ ƃɰ ʍɰʍƃȢӝ Žȶ ʤȈljʥ Ɂǹ ɽȃlj ƺɁȶɽȈȶʍljǁ ȴƃɨȟljɽ ʤɁȢƃɽȈȢȈɽʰ ƃȃljƃǁӗ Ɂʍɨ ȈȶɽljɨȶƃȢ ǹɁƺʍɰ ʥȈȢȢ ƹlj Ɂȶ ěɨljƃɰʍɨʰԇɰ ǹʍȶƺɽȈɁȶƃȢ ɨɁȢlj Ɂǹ ȢȈɧʍȈǁȈɽʰ ȴƃȶƃǼljȴljȶɽ ƃȶǁ ȶɁȶӸʤɁȢƃɽȈȢlj ȈȶƺɁȴlj ǼljȶljɨƃɽȈɁȶӝ yȈʯljǁ ŽȶƺɁȴlj ƃȶǁ ǹɁɨljʯ ɽɨƃǁȈȶǼ ƃƺɽȈʤȈɽȈljɰ ʥȈȢȢ ƺɁȶɽȈȶʍlj ƃȢƹljȈɽ Ȉȶ ƃ ȴɁɨlj ɥɨʍǁljȶɽ ȴƃȶȶljɨӝ Ślj ʥȈȢȢ ƃȢɰɁ ƺɁȶɽȈȶʍlj ɽɁ ɰɽƃȶǁ ƹʰ Ɂʍɨ ƺʍɰɽɁȴljɨɰ ɽɁ ɥɨɁʤȈǁlj ɽȃlj ƹljɰɽ ǼʍȈǁƃȶƺljӗ ɰɁȢʍɽȈɁȶɰӗ ƃȶǁ ƺɁȶʤljȶȈljȶƺlj Ȉȶ ɽȃljɰlj ɽɨʰȈȶǼ ɽȈȴljɰӗ ȃljȢɥȈȶǼ ɽȃljȴ ɽɁ ƃǁƃɥɽ ɽɁ ɽȃlj Ԇȶljʥ ȶɁɨȴƃȢԇ ƃȶǁ ƺɁɨɨljɰɥɁȶǁȈȶǼ ɰȃȈǹɽɰ Ȉȶ ɽȃljȈɨ ɰɽɨƃɽljǼʰ ƃȶǁ ɁɥljɨƃɽȈɁȶɰӝ Movement Restrictions due to :ÝřŽAӸѴѼ Pandemic Stiff Competition from both Commercial and Development Finance Institutions AȈɰɨʍɥɽȈɁȶ Ȉȶ ɁɥljɨƃɽȈɁȶɰ ȃƃǁ ƃǹǹljƺɽljǁ ɰɽƃǹǹ ɥɨɁǁʍƺɽȈʤȈɽʰ ƃȶǁ ƺɁȶɰɽɨƃȈȶljǁ ƺȢȈljȶɽ ljȶǼƃǼljȴljȶɽӗ ȴƃɨȟljɽȈȶǼ ƃƺɽȈʤȈɽȈljɰ ƃȶǁ ɥɨɁȴɁɽȈɁȶɰӗ ƃǹǹljƺɽȈȶǼ ƺʍɰɽɁȴljɨ ƃƺɧʍȈɰȈɽȈɁȶ ɨƃɽljɰ ƃȶǁ ɁʤljɨƃȢȢ ƹʍɰȈȶljɰɰ ɥljɨǹɁɨȴƃȶƺljӝ ÃƃȈȶɽƃȈȶȈȶǼ ƃȶǁ ljȶȃƃȶƺȈȶǼ ǁljɥɁɰȈɽɰ ƺʍɰɽɁȴljɨ ƹƃɰlj ӯƺɁɨɥɁɨƃɽlj ƃȶǁ ŽȶɰɽȈɽʍɽȈɁȶƃȢӰ ɽȃɨɁʍǼȃ ƺɁȴɥljɽȈɽȈʤlj ȴƃɨȟljɽ ɨƃɽljɰӝ ČȃȈǹɽ ɽɁ ȴȈǁӸɽɁӸȢɁȶǼljɨӸɽljɨȴ ƹɁɨɨɁʥȈȶǼ ɽɁ ɰɽƃƹȈȢȈɰlj ǹʍȶǁȈȶǼ ɥɨɁǹȈȢljӗ ɨljǁʍƺȈȶǼ ƺɁȶƺljȶɽɨƃɽȈɁȶ ɨȈɰȟɰӗ ƃǁȃljɨȈȶǼ ɽɁ ǹʍȶǁȈȶǼ ȢȈɧʍȈǁȈɽʰ ɨƃɽȈɁɰ ʥȃȈȢɰɽ ƃȢɰɁ ȢɁʥljɨȈȶǼ ɁʤljɨƃȢȢ ǹʍȶǁȈȶǼ ƺɁɰɽɰ AljʤljȢɁɥ ȶljʥ ɥɨɁǁʍƺɽɰ ƃȶǁ ƹȈȢƃɽljɨƃȢ ƃǼɨljljȴljȶɽɰ ɽɁ ɰʍɥɥɁɨɽ 9ÇÃԇɰ ljǹǹɁɨɽɰ ɽɁ Ȉȶƺɨljƃɰlj ŽɰȢƃȴȈƺ Ȉȶɽljɨƹƃȶȟ ƃȶǁ ȈȶɰɽȈɽʍɽȈɁȶƃȢ ȢȈɧʍȈǁȈɽʰ ȴƃȶƃǼljȴljȶɽ ÝɥljɨƃɽȈɁȶɰӖ • Kȶȃƃȶƺljȴljȶɽ Ɂǹ Ɂʍɨ 9ʍɰȈȶljɰɰ :ɁȶɽȈȶʍȈɽʰ ĀȢƃȶ ӯ9:ĀӰ ƃȶǁ AȈɰƃɰɽljɨ ĄljƺɁʤljɨʰ ɨljƃǁȈȶljɰɰ • ŽȶɽɨɁǁʍƺɽȈɁȶ Ɂǹ ɰɥȢȈɽӸɁɥljɨƃɽȈɁȶɰ ɽɁ ljȶɰʍɨlj ƃȢȢ 9 ĩ ǹʍȶƺɽȈɁȶɰ Ɂɥljɨƃɽljǁ ƃɽ ɁɥɽȈȴʍȴ ƺƃɥƃƺȈɽʰ ƃȶǁ ljǹǹȈƺȈljȶƺʰ • yɁƺʍɰ Ɂȶ ɁȶȢȈȶlj ȴƃɨȟljɽȈȶǼ ljǹǹɁɨɽɰ ƃȶǁ ʤȈɨɽʍƃȢ ljȶǼƃǼljȴljȶɽ ʥȈɽȃ ƺʍɰɽɁȴljɨɰ Ɂȶ ěɨljƃɰʍɨʰ ɥɨɁǁʍƺɽɰ ƃȶǁ ɰɁȢʍɽȈɁȶɰ ɽȃɨɁʍǼȃ ʤƃɨȈɁʍɰ ɽljƺȃȶɁȢɁǼʰ ɥȢƃɽǹɁɨȴɰ • AljȢȈʤljɨʰ Ɂǹ ɁȶȢȈȶlj ɽɨƃȈȶȈȶǼɰ ƃȶǁ ǹɨljlj ʥljƹȈȶƃɨɰ ɽɁ ƺɁȶɽȈȶʍlj ʍɥɰȟȈȢȢȈȶǼ Ɂʍɨ ljȴɥȢɁʰljljɰ • ĄljǁʍƺɽȈɁȶ Ȉȶ ɁɥljɨƃɽȈȶǼ ƺɁɰɽɰ ɽȃɨɁʍǼȃ ǹȢljʯȈƹȢlj ʥɁɨȟ ǹɨɁȴ ȃɁȴlj ӯŚyÃӰ ƃɨɨƃȶǼljȴljȶɽɰ ǹɁɨ ɰɽƃǹǹ ʥȈɽȃ ɽȃlj ɨljɧʍȈɨljǁ Ȉȶǹɨƃɰɽɨʍƺɽʍɨlj ɰʍɥɥɁɨɽ ĀɨʍǁljȶɽȢʰ ȴƃȶƃǼlj ɽȃlj Ȉȶʤljɰɽȴljȶɽ ɥɁɨɽǹɁȢȈɁ ƃȴȈǁɰɽ ƃȶɽȈƺȈɥƃɽljǁ ȈȶƺɨljƃɰȈȶǼ ʰȈljȢǁɰ ƹʰ ȢɁʥljɨȈȶǼ ɥɁɨɽǹɁȢȈɁ ǁʍɨƃɽȈɁȶ ƃȶǁ ɰljȢljƺɽȈʤlj ȶljʥ ƺɨljǁȈɽ ljʯɥɁɰʍɨljɰ ¸ljʤljɨƃǼlj Ɂȶ ɁɥɥɁɨɽʍȶȈɽȈljɰ ɽɁ ɨljƃȢȈɰlj ɥɨɁǹȈɽɰ Ɂȶ ȴljǁȈʍȴ ɽɁ ȢɁȶǼ ɽljȶɁɨɰ ƃȶǁ ɨljɥȢljȶȈɰȃ ʥȈɽȃ ɰȃɁɨɽljɨ ǁƃɽljǁ ɽljȶɁɨɰ ʥȃȈȢɰɽ ɥɨljɰljɨʤȈȶǼ ƃʤljɨƃǼlj ɥɁɨɽǹɁȢȈɁ ʰȈljȢǁ {ɨɁʥ ɽȃlj ƹƃȶȟԇɰ ȴƃɨȟljɽ ɰȃƃɨlj Ȉȶ ƺɁɨɥɁɨƃɽlj ǁljɥɁɰȈɽɰ ƃȶǁ Ȉȶʤljɰɽȴljȶɽ ƃƺƺɁʍȶɽɰ yɁƺʍɰ Ɂȶ ȢɁȶǼӸɽljɨȴ ǹʍȶǁȈȶǼ ƃȶǁ ɧʍƃȢȈɽʰ ƺɁɨɥɁɨƃɽlj ǁljɥɁɰȈɽɰ ǹɁɨ 9Çà 9 ČK¸ ŽŽŽ ¸:Ą ƃȶǁ ÇČyĄ ƺɁȴɥȢȈƃȶƺlj Ąljǁʍƺlj ɽȃlj ƺɁɰɽ Ɂǹ ǹʍȶǁȈȶǼ ƃȶǁ ɨljȢȈƃȶƺlj Ɂȶ ԆljʯɥljȶɰȈʤljԇ ǁljɥɁɰȈɽɰ AȈʤljɨɰȈǹʰ ƃȶǁ ljʯɥƃȶǁ ɽȃlj ǁljɥɁɰȈɽ ƹƃɰlj ƹljʰɁȶǁ ɽȃlj ɽɁɥ Ѷѳ ƺɁȶƺljȶɽɨƃɽȈɁȶ Ɂǹ ǁljɥɁɰȈɽɁɨɰ ŽȶɽɨɁǁʍƺlj ljӸĄljȴȈɽɽƃȶƺljɰ ƃȶǁ ɥɨɁȴɁɽlj ɽɨƃȶɰƃƺɽȈɁȶɰ ʤȈƃ ÃɁȶljʰѵÝʤljɨɰljƃɰ ƃɰ ɽɁ Ȉȶƺɨljƃɰlj ǹɁɨljʯ ʤɁȢʍȴlj ƃȶǁ ɥɨɁǹȈɽ {ɨɁʥ ɽȃlj yɁɨljʯ ƹʍɰȈȶljɰɰ ƃɽ ƹɨƃȶƺȃljɰ Kȶȃƃȶƺlj Ȉȶɽljɨƹƃȶȟ ȢȈɧʍȈǁȈɽʰ ƹʰ ljʯljƺʍɽȈȶǼ Č99 ƃȶǁ ::à ʥȈɽȃ ȴɁɨlj ƺɁʍȶɽljɨɥƃɨɽȈljɰ Čɥljƃɨȃljƃǁ ɽȃlj Ž9ÝĄӣ¶¸Ž9ÝĄ ɽɨƃȶɰȈɽȈɁȶ ȈȶȈɽȈƃɽȈʤljɰ ɽɁ ljȶƃƹȢlj ɰljƃȴȢljɰɰ ɽɨƃȶɰȈɽȈɁȶ ǹɁɨ ɽȃlj ƹƃȶȟԇɰ ƺʍɰɽɁȴljɨɰ ƃȶǁ ƺɁʍȶɽljɨɥƃɨɽȈljɰ ƹʰ ljȶɰʍɨȈȶǼ ȈȶɽljɨȶƃȢ ɁɥljɨƃɽȈɁȶƃȢ ƃȶǁ ɰʰɰɽljȴɰ ɨljƃǁȈȶljɰɰӣljȶȃƃȶƺljȴljȶɽɰ 9ʍɰȈȶljɰɰӖ • yȈʯljǁ ŽȶƺɁȴlj ĀɁɨɽǹɁȢȈɁӖ ƺɽȈʤlj ȴƃȶƃǼljȴljȶɽ Ɂǹ ɽȃlj ɽɨƃǁȈȶǼӗ Ȉȶʤljɰɽȴljȶɽ ƃȶǁ ȢȈɧʍȈǁ ƃɰɰljɽɰ ɥɁɨɽǹɁȢȈɁ ɽɁ ɁɥɽȈȴȈɰlj ɨȈɰȟ ƃȶǁ ɨljɽʍɨȶɰ ƃȴȈǁɰɽ ƃ ȢɁʥ ʰȈljȢǁ ƃȶǁ ʤɁȢƃɽȈȢlj ȴƃɨȟljɽ ljȶʤȈɨɁȶȴljȶɽ • :ɁɨɥɁɨƃɽlj yŤӖ :ȢɁɰlj ȴɁȶȈɽɁɨȈȶǼ ƃȶǁ ƃɰɰljɰɰȴljȶɽ Ɂǹ ǹɁɨljʯ ʤɁȢʍȴljɰ ƃȶǁ ƺʍɰɽɁȴljɨɰԇ ɨljɧʍȈɨljȴljȶɽɰӗ ʥȃȈȢɰɽ ƃǁȃljɨȈȶǼ ɽɁ ɰɽɨȈƺɽ ƺɁȴɥȢȈƃȶƺlj ɰƺɨljljȶȈȶǼ ƃȶǁ ɰɽɨȈȶǼljȶɽ ȈȶɽljɨȶƃȢ ǼʍȈǁljȢȈȶljɰ • 9ʍɨljƃʍ Alj :ȃƃȶǼlj ӯ9A:ӰӖ ĀɨɁȴɁɽlj ljӸʥƃȢȢljɽɰӗ ȴɁƹȈȢlj ƃȶǁ Ȉȶɽljɨȶljɽ ƹɁɁȟȈȶǼ ƃȶǁ ɥƃʰȴljȶɽɰ ƃȴɁȶǼ ɽɨƃʤljȢȢljɨɰӗ ʥȈɽȃ ƃȶ ƃɰɰʍɨƃȶƺlj Ɂǹ ɰƃǹljɽʰӗ ljƃɰlj ƃȶǁ ƺɁȶʤljȶȈljȶƺlj