Bank Islam Integrated Annual Report 2020

88 Management Di scuss ion and Anal ys i s Sus ta inabi l i t y Repor t CORPORATE BANKING BUSINESS REVIEW Sustainable Prosperity • KȴɥȃƃɰȈɰ Ɂȶ ɥɨljɰljɨʤƃɽȈɁȶ Ɂǹ ƃɰɰljɽɰ ɧʍƃȢȈɽʰ ƃȶǁ ȈȶƺɁȴlj ƺɁȶɽɨȈƹʍɽȈɁȶ ɽȃɨɁʍǼȃ ǹɁƺʍɰ Ɂȶ ǼɨɁʥȈȶǼ ÇljʥӸɽɁӸ9ƃȶȟ ƺʍɰɽɁȴljɨɰ ʥȈɽȃȈȶ ɽȃlj ɥɨljǹljɨɨljǁ ɰljƺɽɁɨɰӗ ʥȃȈƺȃ ȈȶƺȢʍǁljǁ ‰ljƃȢɽȃƺƃɨljӗ yɁɁǁӗ Žȶǹɨƃɰɽɨʍƺɽʍɨlj ƃȶǁ ĀȢƃȶɽƃɽȈɁȶӗ {ɨljljȶ ěljƺȃȶɁȢɁǼʰ ƃȶǁ ĄljȶljʥƃƹȢlj KȶljɨǼʰ ɰljƺɽɁɨ • ȶɽȈӸƃɽɽɨȈɽȈɁȶ ɰɽɨƃɽljǼʰ ʤȈƃӖ ӵ AljǹljȶǁȈȶǼ ƃɰɰljɽɰ ƹʰ ȴƃȈȶɽƃȈȶȈȶǼ ƺȢɁɰlj ɥɨɁǹljɰɰȈɁȶƃȢ ɨljȢƃɽȈɁȶɰȃȈɥ ƃȶǁ ƹljɽɽljɨ ʍȶǁljɨɰɽƃȶǁȈȶǼ Ɂȶ ƺʍɰɽɁȴljɨ ȶljljǁɰ ɽɁ ǁljȢȈʤljɨ ǼɁɁǁ ƺʍɰɽɁȴljɨ ɰljɨʤȈƺlj ӵ KȶƺɁʍɨƃǼlj ȃȈǼȃljɨ ʍɽȈȢȈɰƃɽȈɁȶ Ɂǹ ʥɁɨȟȈȶǼ ƺƃɥȈɽƃȢ ǹƃƺȈȢȈɽʰ ʤȈƃ ƃɽɽɨƃƺɽȈʤlj ɥɨȈƺȈȶǼ ɰɽɨƃɽljǼʰ • KʯɥƃȶɰȈɁȶ Ɂǹ ɥɨɁǁʍƺɽ ɁǹǹljɨȈȶǼɰ ʥȈɽȃ ȶljʥ ƃɰɰljɽ ƺȢƃɰɰӣɨljʤljȶʍlj ɰɁʍɨƺlj ɽȃɨɁʍǼȃ ɥʍɨƺȃƃɰlj Ɂǹ ĩȶɨƃɽljǁ Čʍȟʍȟ ɽɁ ǹƃƺȈȢȈɽƃɽlj ǹȈȶƃȶƺȈȶǼ ƃɰɰljɽɰ ǼɨɁʥɽȃ ƃȶǁ Ǽljȶljɨƃɽlj ǹʍȶǁ ƹƃɰljǁ ƃȶǁ ǹljlj ƹƃɰljǁ ȈȶƺɁȴljɰ • :ƃɥȈɽƃȢȈɰȈȶǼ Ɂȶ ɰʰȶljɨǼȈljɰ ʥȈɽȃ 9ƃȶȟԇɰ ȴƃȚɁɨ ɰȃƃɨljȃɁȢǁljɨɰ ɽɁ Ȉȶƺɨljƃɰlj ǹȈȶƃȶƺȈȶǼ ljʯɥɁɰʍɨlj ƃȶǁ ljʯɥȢɁɨlj Ɂɽȃljɨ ƺɨɁɰɰӸɰljȢȢȈȶǼ ɁɥɥɁɨɽʍȶȈɽȈljɰ ʥȈɽȃȈȶ ɽȃlj ǼɨɁʍɥ Ɂǹ ƺɁȴɥƃȶȈljɰ Customer-Centricity • ČʥȈǹɽ ɨljɰɥɁȶɰlj ɽɁ ɽȃlj ƺʍɰɽɁȴljɨɰԇ ɨljɧʍljɰɽ ǹɁɨ ȴɁɨƃɽɁɨȈʍȴ ƃȶǁ ƃɰɰȈɰɽƃȶƺlj Ȉȶ ʥljƃɽȃljɨȈȶǼ ɽȃlj ljǹǹljƺɽ Ɂǹ ɽȃlj ɥƃȶǁljȴȈƺ • ĀɨɁƃƺɽȈʤlj Ȉȶ ɥɨɁʤȈǁȈȶǼ ǹȈȶƃȶƺȈȶǼ ɰɁȢʍɽȈɁȶɰ ƃȶǁ ƹƃȶȟȈȶǼ ɰljɨʤȈƺljɰ ɽɁ ȴljljɽ ɽȃlj ƺʍɰɽɁȴljɨɰԇ ȶljljǁɰ ƃȶǁ ɰʍɥɥɁɨɽ ɽȃlj ɥɁɽljȶɽȈƃȢ ǼɨɁʥɽȃ Ɂǹ ɽȃlj ƺʍɰɽɁȴljɨɰԇ ƹʍɰȈȶljɰɰljɰ • yɁƺʍɰ Ɂȶ ƹʍȈȢǁȈȶǼ ɽɨʍɰɽ ƃȶǁ ȢɁȶǼӸɽljɨȴ ƹʍɰȈȶljɰɰ ɨljȢƃɽȈɁȶɰȃȈɥɰ ʥȃȈȢɰɽ ǁljȢȈʤljɨȈȶǼ ljʯƺljȢȢljȶɽ ƺʍɰɽɁȴljɨ ɰljɨʤȈƺlj KEY INITIATIVES FINANCIAL HIGHLIGHTS Asset (TOS) Growth ӯĄÃԇ 9ȈȢӰ Revenue Growth ӯĄÃԇ ÃȈȢӰ RM 6.8 billion RM 296 million RM 14.8 million Asset (TOS) Growth Income Growth ӯѵѳѴѼӖ ĄÃѹӝѴ ƹȈȢȢȈɁȶӰ ɰɰljɽ ĂʍƃȢȈɽʰ ӵ ¸ɁʥljɨӣȈȴɥɨɁʤljǁ ɁʤljɨƃȢȢ ŽȴɥƃȈɨljǁ ĄƃɽȈɁ Ȉȶ yťK Aljƺljȴƹljɨ ѵѳѵѳ ǁʍlj ɽɁ ȶɁ ȶljʥ ȈȴɥƃȈɨȴljȶɽ ƃȶǁ Ȉȶƺɨljƃɰlj Ȉȶ ěɁɽƃȢ ÝʍɽɰɽƃȶǁȈȶǼ ɰɰljɽ Ȉȶ yťK Aljƺljȴƹljɨ ѵѳѵѳ ӯѵѳѴѼӖ ĄÃѵѷѳ ȴȈȢȢȈɁȶӰ ӯѵѳѴѼӖ ĄÃѴѷӝѼ ȴȈȢȢȈɁȶӰ Fund Based Non-Fund Based ѴѴӝѸՐ 6.8 ‘20 ‘18 ‘19 6.1 4.6 14.8 296 ‘20 ‘18 14 14.9 219 240 ‘19 yʍȶǁ 9ƃɰljǁ ÇɁȶӸyʍȶǁ 9ƃɰljǁ 0 % ӯÇɁ ȶljʥ ȈȴɥƃȈɨȴljȶɽ Ȉȶ yťѵѳѵѳӰ 0.287 % ӯɨljǁʍƺljǁ ǹɨɁȴ ѳӝѶѵՐ ƃɰ ƃɽ Aljƺljȴƹljɨ ѵѳѴѼӰ Çljʥ ŽȴɥƃȈɨljǁ ɨƃɽȈɁ ƃɰ ƃɽ Aljƺljȴƹljɨ ѵѳѵѳ ÝʤljɨƃȢȢ ŽȴɥƃȈɨljǁ ɨƃɽȈɁ ƃɰ ƃɽ Aljƺljȴƹljɨ ѵѳѵѳ