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BANK MUAMALAT MALAYSIA BERHAD




            PRESIDENT & CHIEF EXECUTIVE OFFICER’S

            STATEMENT













                                                                    In the Name of Allah, the Most Gracious, the Most Merciful




                                                                    Peace Be Upon You and Mercy of Allah and His Blessings

                                                                    DEAR STAKEHOLDERS,
                                                                    It has been a transformative year for  Bank
                                                                    Muamalat.    Our    theme,    'Better   Lives,
                                                                    Together,' is a testament to our dedication to
                                                                    forge positive relationships with shareholders,
                                                                    customers,    employees,    regulators,   and
                                                                    communities. In line with our aspirations for
                                                                    2023, our management and staff prioritised
                                                                    stakeholder value, showcased resilience and
                                                                    innovation  in  every aspect of operations. This
                                                                    commitment is driven by our role as an Islamic
                                                                    Bank, guided by Maqasid Shariah principles.

                                                                    Our    purpose-driven    RISE26+     strategy
                                                                    underpins our vision to help people and
                                                                    businesses achieve their ambitions while
                                                                    building a more sustainable and inclusive
                                                                    business. As we move forward together,
                                                                    we pave the road to success. Our efforts
                                                                    culminated in Bank Muamalat being recognised
                                                                    as the Most Improved Islamic Retail Bank in
                                                                    Malaysia at the Islamic Retail Banking Awards
                                                                    (IRBA). This accolade reflects our unwavering
                                                                    financial  stability,  community-centric  focus,
                                                                    and commitment to sustainable growth,
                                                                    all rooted in our Islamic principles.




                                                                     KHAIRUL KAMARUDIN
                                                                     President & Chief Executive Officer



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