Page 5 - Bank-Muamalat_Annual-Report-2023

Better Lives, Together

This year's cover reflects a seamless rising wave that
connects our stakeholders and uplifts them on a shared
journey of holistic growth. The interconnectivity of positive
impacts are rendered by the layers bound together within
the wave, reflecting the value creation strategies that are
holistically created for all walks of lives. The leaves represent
the growth of sustainable environmental initiatives within
the Bank’s business operations.

03 05 07

OUR STRATEGY SUSTAINABILITY STATEMENT OUR NUMBERS
40 Market and Industry Overview 78 About Our Sustainability 180 Directors’ Report
Statement
42 Principal Risks and Uncertainties 187 Statement by Directors
79 Sustainability @ Bank Muamalat
46 Our Value Creation Model 187 Statutory Declaration
81 Stakeholder Engagement
48 Our Strategic Direction 188 Report of the Shariah Committee
86 Sustainability Matters
190 Independent Auditors’ Report
89 Sustainability Governance
193 Financial Statements
04 92 Our Progress and Output in 206 Notes to the Financial Statements
Sustainability
114 Data on Material Matters 373 Basel II Pillar 3 Disclosure
OUR BUSINESS PERFORMANCE
54 Retail Banking
06 08
65 Commercial Banking
67 Transaction Banking
69 Corporate Banking GOVERNANCE OTHER INFORMATION

71 Treasury and Capital Markets 124 Our Board Diversity 438 Corporate Information
72 Subsidiary: 126 Board of Directors’ Profile 439 Branch Network
Muamalat Invest Sdn Bhd
134 Shariah Committee Profile 442 Global Reporting Initiative (GRI)
74 Investment Banking Content Index
138 Senior Management Profile
145 Board of Directors Composition

146 Board Committees
147 Governance Disclosure
162 Shariah Committee
168 Board Audit Committee Report
171 Statement on Compliance
173 Statement on Risk Management