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Our Performance Sustainability Statement Our Governance Our Numbers Other Information

ABOUT
BANK MUAMALAT

As a value-driven Islamic Bank Muamalat is one of three (3) independent full-fledged Islamic
bank, Bank Muamalat aims financial institutions in Malaysia. The Bank’s origins dated back
to 1 October 1999 when the Islamic banking assets and liabilities of
to contribute to a sustainable three (3) local banks were merged, namely Bank Bumiputra Malaysia
financial ecosystem through Berhad, Bank of Commerce (Malaysia) Berhad and BBMB Kewangan
th
Berhad, were merged. As at 20 September, the Bank ranks 10 out
strategies that balance business of 16 Islamic banks in the country in terms of asset size. The Bank has
objectives with a focus on two (2) shareholders, DRB-HICOM and Khazanah Nasional Berhad,
each holding 70% and 30% equity respectively.
economic, environment and Bank Muamalat’s network spans across 67 branches nationwide through
social benefits. which the Bank provides a wide range of Islamic banking products
and services to Malaysians and foreigners, offering wholesale and
retail banking services namely savings, current and foreign currency
deposits, investment accounts, foreign exchange trading, working capital
financing, trade financing, project and contract financing, venture capital
and Islamic capital market services. As a pioneering Islamic bank in the
VISION country, Bank Muamalat is supported by highly qualified Shariah scholars
with extensive experience in Islamic jurisprudence. This group provides
To become the preferred counsel on issues pertaining to Shariah products and services, including
Islamic financial provider activities to raise Islamic capital.

The Bank is a member of the Global Alliance for Banking on Values
MISSION (“GABV”), an independent network of banks and banking cooperatives
worldwide that operate under the Principles of Sustainable Banking.
To ethically deliver best value GABV focuses on returns to the real economy and acts as a financial
and
social
intermediary
to
environmental
impacts.
support
to stakeholders, society and Bank Muamalat is the first Islamic bank in Malaysia and Southeast
environment
Asia to be accepted as a member of the alliance.
OUR VALUES WHAT DIFFERENTIATES BANK MUAMALAT?
1 A Bank that is continuously 4 A value-driven financial
committed in delivering positive institution that aspires to be an
impact to the community ethical Islamic bank supported by
strong shared values
CARE RESPECT INTEGRITY More details in our Sustainability Report More details in Sustainability Report from
on pages 84 to 105.
page 80, and in our Shariah Committee
Statement on page 137.
2 Continuously striving to improve
client satisfaction, especially in 5
INNOVATIVE SERVICE ORIENTED digital platform offerings Holistic and sound enterprise risk
management practices
More details in Customer Service
and Digital Banking segments of our More details in Mitigating Principal Risks
Sustainability Report on pages 89 and and Statement of Risk Management on
90 respectively. pages 44 and 142 respectively.

3 Knowledgeable and widely 6 Good governance and strong
experienced management team leadership
Read the profiles of our Senior Management More details in Committed to Strong
on pages 121 to 125. Governance on page 126.