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Our Performance Sustainability Statement Governance Our Numbers Other Information

OvErvIEw
The Pillar 3 Disclosure is a regulatory requirement aimed at enhancing market transparency and discipline. It is prepared in
accordance to the Bank Negara Malaysia’s (“BNM’s”) guidelines “Capital Adequacy Framework for Islamic Banks (“CAFIB”)
– Disclosure Requirements (“Pillar 3”)” and contains qualitative and quantitative information on Bank Muamalat Malaysia Berhad’s
(“BMMB”) risk exposures and capital adequacy levels as well as on its capital and risk management practices.
In assessing its capital position, BMMB applies the prescribed Standardised Approach to measure its credit and market risk exposures
and the Basic Indicator Approach for operational risk, as outlined under the BNM’s CAFIB guidelines.
This Pillar 3 disclosure is published for the financial year ended 31 December 2020 and should be read in conjunction with BMMB’s
audited financial statement for the year ended 31 December 2020.