Page 3 - Bank-Muamalat-AR2020

04 OUR PERFORMANCE 51-77 06 GOVERNANCE 106-153

CONSUMER BANKING 106 Our Board Diversity
53 Consumer Financing 108 Board of Directors’ Profile
57 SME Financing 115 Shariah Committee Profile
59 Deposit & Payment Services 118 Senior Management
61 Retail Investment 121 Senior Management Profile
126 Committed to Strong Governance
BUSINESS BANKING
130 Board Leadership and Effectiveness
66 Business Banking
135 Effective Risk Management and Accountability
TREASURY AND CAPITAL MARKETS 136 Relations with Stakeholders
71 Treasury and Capital Markets 137 Shariah Committee Statement
73 Investment Banking 142 Statement on Risk Management and Internal
Controls
SUBSIDIARIES
75 Muamalat Invest Sdn Bhd (“MISB”) 07 OUR NUMBERS 156-418

77 Muamalat Venture Sdn Bhd (“MVSB”)
05 SUSTAINABILITY STATEMENT 80-105 154 Financial Statements
Basel II – Pillar 3 Disclosures
348
80 Our Sustainability Approach 08 OTHER INFORMATION 419-428
ECONOMIC
84 Economic Performance 419 Corporate Information
85 Entrepreneur Development 420 Branch Network
85 Responsible Financing 425 Global Reporting Initiative (“GRI”) Content Index
87 Procurement Practices
87 Ethics and Integrity
89 Customer Experience
90 Digital Banking
ENVIRONMENTAL
92 Building Environmental Awareness and
Sustainable Ecosystems
93 Energy and Resource Management

SOCIAL
97 Employment
99 Diversity and Equal Opportunity
101 Training and Education
102 Financial Inclusion
103 Community Development
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