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42   BANK MUAMALAT MALAYSIA BERHAD                   About Us           Our Leadership       Our Strategy
                                                            About Us
            ANNUAL REPORT FY2020

          OUR MATERIAL

          MATTERS








                                              What it Means to the Bank                       Discussed in



                 Digital Banking  •  Exploring  digital  transformation  and  building  internal   •   AR: Business Model
                                   capability for greater customer experience, accessibility   •   AR: Stakeholder Engagement
                                   and efficiency
                                                                                     •   AR: Delivering  our Strategy
                                  •  Technological  development  and  digitisation  of  financial   •   SR: Digital Banking
                                   services  to assist customers  in their banking needs and
                                   to also expand our customer base, from various medium   •   SR: Customer Experience
                                   of communication                                  •   SR: Financial Inclusion

                 Energy           •  Optimising  energy  consumed  in  various  forms  (such  as   •   AR: Business Model
                 Consumption &     fuel, electricity and water) for the Bank’s operations  •   AR: Stakeholder Engagement
                 Environmental    •  Monitoring efficient  management of  natural resources   •   SR: Energy  Consumption &
                 Impact
                                  •  Conducting activities (for the community and the Bank)   Environmental Impact
                                   to help improve the environment

                 Community        •  Empowering  communities  through  development   •   AR: Stakeholder Engagement
                 Development       programmes that create positive impact            •   AR: Business Model
                                                                                     •   AR: Segmental  Performance
                                                                                     •   SR: Community  Development
                                                                                     •   SR: Responsible  Financing
                                                                                     •   SR: Procurement Practices

                 Customer         •  Customer  service  performance  and  initiatives  taken   •   AR: Business Model
                 Experience        by the organisation to improve service delivery   • AR: Delivering  our Strategy
                                   whilst maintaining  compliance with  existing  laws  and   • AR: Stakeholder Engagement
                                   regulations regarding customer confidentiality
                                                                                     • SR: Digital Banking
                                  •  Creating an enjoyable, reliable and memorable customer
                                   journey  whilst  managing  the  right  balance  between   • SR: Customer Experience
                                   digital and traditional approach                  • SR: Financial Inclusion
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