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Our Performance Sustainability Statement Our Governance Our Numbers Other Information
Governance

We are mindful of the interdependence of finance with the real economy, social cohesion and our natural eco-system. We
nurture our connection to the communities we serve and are accountable for the risks we take and create for the people who
use our products and services. Our focus on inclusion puts basic banking products in service of a greater number of people,
rather than highly sophisticated products in the hands of a few. We are also highly aware of the externalities produced by our
banking activities by the projects and clients we finance.
As a responsible organisation

Bank Muamalat supports the United Nations Sustainable Development Goals (“SDGs”) in our business and sustainable practices.
We have identified six (6) SDGs that are most aligned with our material issues and our sustainability efforts in FY2020. The
Bank recognises the need to progressively take active steps to ensure our continuous commitment to contribute to the global
development under the 17 SDGs. In this Report, we refer to the respective SDGs and how we have contributed to promote
them in our sustainability initiatives under the respective material EES topics.
Based on our Mission and role as a responsible financial institution, we have categorised our sustainability activities according
to the Economic, Environmental and Social (“EES”) domains. These activities are further elaborated and reflected by our
Material Matters as identified through our materiality assessment and stakeholder engagement:

ECONOMY ENVIRONMENTAL SOCIAL
• Economic Performance • Energy Consumption & • Employment
• Entrepreneur Development Environmental Impact • Diversity & Equal Opportunity
• Responsible Financing • Training & Education
• Procurement Practices
• Ethics & Integrity • Community Development
• Customer Experience • Financial Inclusion
• Digital Banking

*Global Alliance for Banking on Values (“GABV”) is an independent network of banks using finance to deliver sustainable economic, social and environmental development; with
a focus on helping individuals fulfil their potential and build stronger communities. It comprises 66 financial institutions and 16 strategic partners operating in countries across
Asia, Africa, Australia, Latin America, North America and Europe. Collectively it serves more than 70 million customers, holds over $200 billion USD of combined assets under
management, and is supported by more than 77,000 co-workers.
*Value-Based intermediation (“VBI”) aims to deliver the intended outcomes of Shariah through practices, conduct and offerings that generate positive and sustainable impact to
the economy, community and environment, consistent with the shareholders' sustainable returns and long-term interests. The VBI Community of Practitioners or “CoP” is a
collaborative platform for industry players to strategically advance industry-wide implementation of VBI agenda. CoP was initially founded by five (5) Islamic banks namely Bank
Islam Malaysia Berhad, Bank Muamalat Malaysia Berhad, Bank Pertanian Malaysia Berhad (Agrobank), CIMB Islamic Bank Berhad and HSBC Amanah Malaysia Berhad. Today,
in 2021, 14 banks are in the CoP.