Page 48 - Bank-Muamalat-AR2020

46 BANK MUAMALAT MALAYSIA BERHAD About Us Our Leadership Our Strategy
Our Strategy
About Us
ANNUAL REPORT FY2020
OUR VALUE CREATION
MODEL

Through the use of our robust capitals, prudent strategy and resource allocation, the management of risk and strong corporate governance - the Bank’s business model continues to deliver value for its stakeholders.

OUR CAPITAL INPUTS VALUE-BASED PRINCIPLES

Resetting Target
1
Markets
Financial Capital Intellectual Capital
Financial capital is defined as the pool of This capital describes the Bank’s brand and
funds available to the Bank. reputation management, as well as investments
in technological platforms
• Shareholders’ equity: RM2.65 billion Disciplined Balance
• Deposits from customers: RM21.50 billion Includes Risk Management & Compliance 2
Culture and Framework Sheet Management

Digital
Manufactured Capital Social & Relationship Capital 3 Transformation
Manufactured capital includes the Bank’s This capital describes the relationships built
infrastructure, i.e. physical branches, between communities, stakeholders and other
data centres and equipment and digital relevant stakeholder groups.
technology that facilitates the Bank’s services
to customers. • More than 659,000 customers
(FY2019: 640,000 customers)
• 67 branches and Ar-Rahnu outlets • Embracing value-based financing to meet VBI 4 Data
• 22 3-in-1 terminals as well as EES practices Monetisation
• 136 ATMs
• 71 2-in-1 terminals
• i-Muamalat Mobile Apps
• Retail and Corporate Internet Banking
• QR Payment for Merchants
• Muamalat Application Platform (“MAP”)
• Ar-Rahnu Online Auction
5 Infrastructure

Continuous Process
6 Improvement &
Human Capital Natural Capital Shariah Innovation
This capital covers the skills This capital covers how we consume
and experience of all the Bank’s and manage natural resources,
employees which enable the Bank primarily energy and paper. It also
to deliver its strategy, products includes financing of activities that
and services to create value for manage environmental impact well
stakeholders. Talent
7
• Number of employees: 2,304 Management
(FY2019: 1,904)

THE VALUE CREATION PROCESS IS DRIVEN BY EES PRACTICES AND ANCHORED BY THE BANK’S GOVERNANCE, RISK & COMPLIANCE

CARE RESPECT INTEGRITY