Page 48 - Bank-Muamalat_Annual-Report-2023

BANK MUAMALAT MALAYSIA BERHAD

OUR VALUE CREATION

MODEL

OUR CAPITAL HOW WE CREATE VALUE

Financial Capital
• Total Assets: RM39.1 billion
• Shareholders’ equity: RM3.44 billion;
• Deposits and Investment Accounts:
RM33.04 billion

Manufacturing Capital
• 68 dedicated branches
• 246 self service terminals nationwide Inspired by Retail
• Vast digital outreach through RISE26+ Banking
i-Muamalat mobile app, retail and Aspirations:
corporate internet banking, QR • Sustainable
Payment for merchant, Muamalat Shareholder
Application Platform (MAP), Online Returns 1 Corporate
Deposits Account Application (ODA) • Islamic Bank for Banking
etc All
• Next Generation 2
Human Capital and Agile Banking
• In-house training: 583 programs • High Performing
• A diverse workforce of 2,416 Organisation
employees • Promote VBI and Commercial
• Invested RM5.9 million on training and Sustainability Our Businesses 3 Banking
skills development programmes
Driven by 8
Intellectual Capital Strategic Thrusts:
• Over 20 years of sustainable growth • Accelerate 4
as the nation’s 3rd full-fledged Islamic Business Growth
financial institution • Enable Islamic Transaction
Bank for All 5 Banking
Social & Relationship Capital • Drive Sustainability
• More than 720,000 customers • Customer
• Embracing value-based financing to Centricity Treasury &
meet the VBI as well as ESG practices • Innovation Capital
• Invested RM182,209.10 of working • Operational Markets
capital and RM187,120.00 in training Efficiency
fees of sustainable financing provided • Strengthening Our
under iTEKAD initiatives Foundation
• High Performing
Natural Capital Organisation
• Electricity usage of : 8,266,903.36 kWh
• Water: 144,276.94 m 3
• Petrol: 445,292.01 litres
• Diesel: 22,773.14 litres

STRONG GOVERNANCE OVERSIGHT
Bank Muamalat is committed to the highest standards of governance, ethics and integrity

Our diverse and knowledgeable Board of Directors ensures We ensure established and comprehensive internal and external
best practices are adopted while providing oversight to the risk management processes, policies and frameworks are in place
Management Committee in creating long-term shareholder to continuously deliver and sustain the Bank’s value propositions
and stakeholder value

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