Bank Islam Integrated Annual Report 2020
Challenges Opportunities ĄljǹȈȶƃȶƺȈȶǼ ɁɥɥɁɨɽʍȶȈɽȈljɰ ǁʍlj ɽɁ ȢɁʥ Ȉȶɽljɨljɰɽ ɨƃɽljɰ ljȶʤȈɨɁȶȴljȶɽ yƃƺȈȢȈɽƃɽȈȶǼ ljʯȈɰɽȈȶǼ ƺʍɰɽɁȴljɨɰ Ȉȴɥƃƺɽljǁ ƹʰ ɽȃlj ɥƃȶǁljȴȈƺ ƹʰ ʥƃʰ Ɂǹ ɨljɰƺȃljǁʍȢȈȶǼ ƃȶǁ ɨljɰɽɨʍƺɽʍɨȈȶǼ KʯɥȢɁɨȈȶǼ ǹȈȶƃȶƺȈȶǼ ɁɥɥɁɨɽʍȶȈɽȈljɰ ʥȈɽȃ ɥɁɽljȶɽȈƃȢ ƺʍɰɽɁȴljɨɰ ɽȃɨɁʍǼȃ ɽȃlj ɰƺȃljȴljɰ ƃɰ ɥʍɽ Ȉȶ ɥȢƃƺlj ƹʰ ɽȃlj ǼɁʤljɨȶȴljȶɽ ʍȶǁljɨ ɽȃlj ĀɨȈȃƃɽȈȶ ɥɨɁǼɨƃȴȴljɰ ÃȈȶȈȴȈɰȈȶǼ ljʯɥljƺɽljǁ ƺɨljǁȈɽ ȢɁɰɰljɰ Ɂǹ ƺʍɰɽɁȴljɨɰ ƹʰ ɨljʤȈljʥȈȶǼ ɽȃlj ǹƃƺȈȢȈɽʰ ȢȈȶljɰ ȶɁɽ ƹljȈȶǼ ʍɽȈȢȈɰljǁ ljʯƺljljǁȈȶǼ Ѵѵ ȴɁȶɽȃɰ ɥljɨȈɁǁ ƹʰ ljʯȈɰɽȈȶǼ ƺʍɰɽɁȴljɨɰ ČȢɁʥljɨ ljƺɁȶɁȴȈƺ ǼɨɁʥɽȃ ƃȶǁ ȢɁʥljɨ ǼɁʤljɨȶȴljȶɽ ɰɥljȶǁȈȶǼ ȈǼȃ ƹʍɰȈȶljɰɰ ɁɥljɨƃɽȈȶǼ ƺɁɰɽ ǁʍlj ɽɁ ɽljƺȃȶɁȢɁǼʰ ƃȶǁ ɨljǼʍȢƃɽɁɨʰ ɨljɧʍȈɨljȴljȶɽ :ÝřAӸѴѼ Ɂʍɽƹɨljƃȟ ɥƃȶǁljȴȈƺ ȴƃʰ ȃƃʤlj ƃ ɰɥȈɨƃȢ ǁɁʥȶɽʍɨȶ ljƺɁȶɁȴȈƺ ljǹǹljƺɽ Ȉǹ ɥɨɁȢɁȶǼljǁ Çljɽ ȶƺɁȴlj ÃƃɨǼȈȶ ӯÇÃӰ ƺɁȴɥɨljɰɰȈɁȶ ǁʍlj ɽɁ ɨƃɽlj ƺɁȴɥljɽȈɽȈɁȶ ƃȶǁ ÝĀĄ ƺʍɽ ¸ȈȴȈɽƃɽȈɁȶ Ȉȶ ɽljɨȴɰ Ɂǹ ɰȈȶǼȢlj ƺɁʍȶɽljɨɥƃɨɽʰ ljʯɥɁɰʍɨlj ȢȈȴȈɽ ӯČ:K¸Ӱ ljɰɥljƺȈƃȢȢʰ ǹɁɨ {ɨljljȶ yȈȶƃȶƺȈȶǼ ɰljƺɽɁɨ ƃȶǁ Ȉȶǹɨƃɰɽɨʍƺɽʍɨlj ɨljȢƃɽljǁ ƃƺɽȈʤȈɽȈljɰ BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 89 CHALLENGES AND OPPORTUNITIES ěȃlj 9ƃȶȟ ɨljȴƃȈȶɰ ƺƃʍɽȈɁʍɰ Ɂȶ ȈȶǁʍɰɽɨȈljɰ ǁȈɨljƺɽȢʰ Ȉȴɥƃƺɽljǁ ƹʰ ɽȃlj :ÝřAӸѴѼ ɥƃȶǁljȴȈƺ ʍȶɽȈȢ ɰʍƺȃ ɽȈȴlj ɽȃljɨlj Ȉɰ ljʤȈǁljȶƺlj Ɂǹ ƹʍɰȈȶljɰɰ ɨljƺɁʤljɨȈljɰ ɽɁ ɽȃlj ɰɽƃɽlj Ɂǹ ȶɁɨȴƃȢƺʰӝ ȶɽljɨljɰɽ ɨƃɽljɰ ƃɨlj ljʯɥljƺɽljǁ ɽɁ ɨljȴƃȈȶ ƃɽ ȢɁʥ ȢljʤljȢɰӗ ɰɥʍɨɨȈȶǼ ǁljȴƃȶǁ ǹɁɨ ȶljʥ ǹȈȶƃȶƺȈȶǼɰ ƹʰ ljȶɽljɨɥɨȈɰljɰӝ ĄljǹȈȶƃȶƺȈȶǼ ljʯljɨƺȈɰljɰ Ȉɰ ljʯɥljƺɽljǁ ɽɁ ɨljȴƃȈȶ ƃƺɽȈʤlj ƃȴɁȶǼɰɽ ɽȃlj ƺɁɨɥɁɨƃɽljɰ Ȉȶ Ɂɨǁljɨ ɽɁ ɨljǁʍƺlj ǹȈȶƃȶƺȈȶǼ ƺɁɰɽɰӝ KȴɥȃƃɰȈɰ Ɂȶ ɰljƺɽɁɨȈƃȢ ǹɁƺʍɰӗ ʥȃȈƺȃ ȈȶƺȢʍǁlj ȶǹɨƃɰɽɨʍƺɽʍɨlj ƃȶǁ :ɁȶɰɽɨʍƺɽȈɁȶӗ {ɨljljȶ KȶljɨǼʰ ƃȶǁ ĀɁʥljɨӗ ĀȢƃȶɽƃɽȈɁȶӗ ljƃȢɽȃƺƃɨljӗ ÝȈȢ ծ {ƃɰӗ ĀɨɁɥljɨɽʰ AljʤljȢɁɥȴljȶɽ ƃȶǁ ĄljƃȢ Kɰɽƃɽlj ƺɧʍȈɨȈȶǼ ȶljʥӸɽɁӸƹƃȶȟ ƺʍɰɽɁȴljɨɰ :ȢȈljȶɽ ƺɁʤljɨƃǼlj ƃɥɥɨɁƃƺȃ ʍȶǁljɨ ŚȃɁȢljɰƃȢlj 9ƃȶȟȈȶǼ ȈȶȈɽȈƃɽȈʤlj ¸ljʤljɨƃǼȈȶǼ Ɂȶ ljʯȈɰɽȈȶǼ ƺʍɰɽɁȴljɨɰ ȶȶɁʤƃɽlj ȶljʥ ɥɨɁǁʍƺɽ ɰɽɨʍƺɽʍɨljӗ ɰʍƺȃ ƃɰ ČɽƃȟljȃɁȢǁljɨ Čɽɨʍƺɽʍɨlj ƃȶǁ ĩȶɨƃɽljǁ Čʍȟʍȟ ĀɨɁǼɨƃȴȴlj {ɨɁʥȈȶǼ ǁljɥɁɰȈɽɰ ǹɨɁȴ Ɂʍɨ ɥɁɨɽǹɁȢȈɁ ƺʍɰɽɁȴljɨɰ ȈǼȃljɨ ɥƃɨɽȈƺȈɥƃɽȈɁȶ Ȉȶ ɰʰȶǁȈƺƃɽljǁ ǹȈȶƃȶƺȈȶǼ ծ ɨljǹȈȶƃȶƺȈȶǼ Ɂǹ ȢƃɨǼlj ljʯɥɁɰʍɨlj ČɽɨljȶǼɽȃljȶ ɽȃlj ɨljȢƃɽȈɁȶɰȃȈɥ Ɂǹ ȶljʥ ծ ljʯȈɰɽȈȶǼ ƺʍɰɽɁȴljɨɰ ƹʰ ɥɨɁʤȈǁȈȶǼ ɥɨɁƃƺɽȈʤlj ƹƃȶȟȈȶǼ ɰljɨʤȈƺljɰ ծ ɰʍɥɥɁɨɽ ɽɁ ƃɰɰȈɰɽ ɥɁɽljȶɽȈƃȢ ǼɨɁʥɽȃ Ɂǹ ɽȃlj ƺʍɰɽɁȴljɨɰԇ ƹʍɰȈȶljɰɰljɰ :ɁȶɽȈȶʍlj ɽɁ ɰʍɥɥɁɨɽ ljʯȈɰɽȈȶǼ ȴƃȶʍǹƃƺɽʍɨȈȶǼ ƃȶǁ ɽɨƃǁȈȶǼ ƺɁȴɥƃȶȈljɰ ɽɁ ɥɨɁǁʍƺlj ƃȶǁ ɰʍɥɥȢʰ ɧʍƃȢȈɽʰ ɥɨɁǁʍƺɽɰ ƃȶǁ ɰljɨʤȈƺljɰ OUTLOOK AND STRATEGIC PLANS FOR 2021
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