Bank Islam Integrated Annual Report 2020
84 Management Di scuss ion and Anal ys i s SME BANKING BUSINESS REVIEW Sus ta inabi l i t y Repor t Sustainable Prosperity ȶƺɨljƃɰlj ȶljɽ ƃɰɰljɽ ɥɁɨɽǹɁȢȈɁ ƹʰ ƺƃɥɽʍɨȈȶǼ ƃ ȢƃɨǼljɨ ČÃK ȴƃɨȟljɽ ɰȃƃɨlj ƃȶǁ ɁǹǹljɨȈȶǼ ƺɁȴɥɨljȃljȶɰȈʤlj ɥɨɁǁʍƺɽɰ ƃȶǁ ɰljɨʤȈƺljɰ • KȶɨȈƺȃ Ɂʍɨ ɥɨɁǁʍƺɽ ɥɨɁɥɁɰȈɽȈɁȶ ƃȶǁ ɰɁȢʍɽȈɁȶɰ ɽɁ ɰljɨʤlj ɽȃlj ȶljljǁɰ Ɂǹ ČÃKɰ • ȶƺɨljƃɰlj ɰɽɨƃɽljǼȈƺ ƺɁȢȢƃƹɁɨƃɽȈɁȶɰ ʥȈɽȃ ɨljȢƃɽljǁ ǼɁʤljɨȶȴljȶɽ ƃǼljȶƺȈljɰ ƃȶǁ ɥɨȈʤƃɽlj ɰljƺɽɁɨɰ Ȉȶ ɰʍɥɥɁɨɽȈȶǼ ČÃKɰ • ČɽɨljȶǼɽȃljȶȈȶǼ ʤȈɰȈƹȈȢȈɽʰ Ɂȶ ČÃK 9ƃȶȟȈȶǼ ɽɁ ɰɽƃȟljȃɁȢǁljɨɰ ɽȃɨɁʍǼȃ ʤƃɨȈɁʍɰ ɥȢƃɽǹɁɨȴɰ ɽɁ ƺɨljƃɽlj ɥʍƹȢȈƺ ƃʥƃɨljȶljɰɰ Customer-Centricity KȶɨȈƺȃ ƺʍɰɽɁȴljɨ ljʯɥljɨȈljȶƺlj ʥȈɽȃ ȈȴɥɨɁʤljǁ ƹʍɰȈȶljɰɰ ɥɨɁƺljɰɰljɰ ƃȶǁ ƺɁȴɥɨljȃljȶɰȈʤlj ɥɨɁǁʍƺɽ ɥɨɁɥɁɰȈɽȈɁȶɰ • :ƃɽljɨȈȶǼ ɽɁ ƃ ʥȈǁljɨ ƹʍɰȈȶljɰɰ ɰljǼȴljȶɽ ȈȶƺȢʍǁȈȶǼ ɰɁȢljӸ ɥɨɁɥɨȈljɽɁɨɰȃȈɥɰӗ ɥƃɨɽȶljɨɰȃȈɥɰӗ ʥɁȴljȶ ljȶɽɨljɥɨljȶljʍɨɰ ƃȶǁ ɥɨɁǹljɰɰȈɁȶƃȢ ɰljɨʤȈƺlj ɥɨɁʤȈǁljɨɰ • 9ʍɰȈȶljɰɰ ɥɨɁƺljɰɰ ɨljӸljȶǼȈȶljljɨȈȶǼ ɽȃƃɽ ȈȴɥɨɁʤljɰ ČÃK ƺʍɰɽɁȴljɨ ȚɁʍɨȶljʰ • ȶƺɨljƃɰȈȶǼ ƺʍɰɽɁȴljɨ ɽɁʍƺȃɥɁȈȶɽɰ ƃȶǁ ljʯɥƃȶǁȈȶǼ ČÃK 9ƃȶȟȈȶǼ ǹɁɁɽɥɨȈȶɽ ɽȃɨɁʍǼȃɁʍɽ ÃƃȢƃʰɰȈƃ • KʯɽljȶǁȈȶǼ ǹȈȶƃȶƺȈƃȢ ɨljȢȈljǹ ƃɰɰȈɰɽƃȶƺlj ɽɁ ČÃKɰ ƃǹǹljƺɽljǁ ƹʰ ɽȃlj :ÝřAӸѴѼ ɥƃȶǁljȴȈƺ • ƺȃȈljʤlj ƃȶǁ ȴƃȈȶɽƃȈȶ ƃ Çljɽ ĀɨɁȴɁɽljɨ ČƺɁɨlj ӯÇĀČӰ ƃȶǁӣɁɨ :ʍɰɽɁȴljɨ ČƃɽȈɰǹƃƺɽȈɁȶ ӯ:Č ěӰ ɰƺɁɨlj Ȉȶ ɽȃlj ɽɁɥ ɥljɨƺljȶɽȈȢljӗ ƺɁȴɥƃɨƃƹȢlj ɽɁ Ɂɽȃljɨ ɰȢƃȴȈƺ 9ƃȶȟɰ Real Economy AɨȈʤlj ƃɰɰljɽ ƃȶǁ ȢȈƃƹȈȢȈɽʰ ǼɨɁʥɽȃ Ɂǹ ČÃK 9ƃȶȟȈȶǼ ʥȈɽȃ ȟljʰ ǹɁƺʍɰ Ɂȶ ɰȃƃɨȈƃȃӸƹƃɰljǁ ɥɨȈȶƺȈɥȢljɰ • ĄɁȢȢӸɁʍɽ Ɂǹ ȶljʥ ČÃKӸǹɁƺʍɰljǁ ɥɨɁǁʍƺɽ ɥɨɁǼɨƃȴȴljɰ ɽȃƃɽ ɥɨɁȴɁɽljɰ ČÃKɰ ǼɨɁʥɽȃ ƃȶǁ ɰʍɥɥɁɨɽɰ Ą ѷӝѳ ɁƹȚljƺɽȈʤljɰӝ • :ɁȢȢƃƹɁɨƃɽȈɁȶ ʥȈɽȃ ƹʍɰȈȶljɰɰ ƃɰɰɁƺȈƃɽȈɁȶɰӗ ƹʍɰȈȶljɰɰ ɥɨȈȶƺȈɥƃȢɰ ƃȶǁ ɨljȢƃɽljǁ ǼɁʤljɨȶȴljȶɽ ƃǼljȶƺȈljɰ ʥȃȈƺȃ ƺɁȴɥȢljȴljȶɽɰ ɽȃlj ČÃK ljƺɁɰʰɰɽljȴ Digitalisation Kȴƹƃɨȟ Ɂȶ ǁȈǼȈɽƃȢ ɥɨɁɥɁɰȈɽȈɁȶɰ ƃƺɨɁɰɰ ȴʍȢɽȈɥȢlj ƺȃƃȶȶljȢɰ • AljɥȢɁʰȴljȶɽ Ɂǹ ȴʍȢɽȈӸɥɨɁȶǼljǁ ǁȈǼȈɽƃȢ ȴƃɨȟljɽȈȶǼ ɰɽɨƃɽljǼȈljɰ • KɰɽƃƹȢȈɰȃȈȶǼ ƃ ѸӸʰljƃɨ ǁȈǼȈɽƃȢ ɨɁƃǁȴƃɥ ǹɁɨ ČÃK 9ƃȶȟȈȶǼ FINANCIAL HIGHLIGHTS KEY INITIATIVES Growth over 5.8 % Growth by 5.3 % Improved by 24 % Growth over 28 % Non-Fund Based Income Net Asset Fund Based Income Low Gross Impaired Financing Ratio
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