Page 44 - Bank Muamalat_AR24

42 BANK MUAMALAT MALAYSIA BERHAD

OUR VALUE CREATION MODEL

OUR CAPITAL HOW WE CREATE VALUE

Financial Capital
• Total Assets: RM43.6 billion
• Shareholders’ equity: RM3.50 billion
• Deposits and Investment Accounts:
RM36.7 billion

Manufacturing Capital
• 70 dedicated branches
• 241 self service terminals nationwide Retail
• Vast digital outreach through i-Muamalat Inspired by Banking
mobile apps, retail and corporate internet RISE26+ Aspirations:
banking, QR Payment for merchant,
Muamalat Application Platform (MAP), • Sustainable Shareholders’ Return
Online Deposits Account Application • Islamic Bank for All
(ODA) etc Corporate
• Next Generation and Agile Banking Banking
Human Capital
• High Performing Organisation
• In-house training: 339 programmes • Promote VBI and Sustainability
• A diverse workforce of 2,508 employees
• Invested RM4.46 million on training and skills
development programmes OUR THROUGH OUR BUSINESS ACTIVITIES
BUSINESSES
Intellectual Capital Commercial
Driven by Banking
• An established Islamic bank with more than 8 Strategic Thrusts:
20 years of sustainable growth as the 3rd
full-fledged Islamic institutions • Accelerate Business Growth
• Enable Islamic Bank for All
Social & Relationship Capital
• Drive Sustainability
• More than 760,000 customers Transaction
• Embracing value-based financing to meet the • Customer Centricity Banking
VBIs as well as EES practices • Innovation
• Provided seed capital of RM1.56 million for
iTEKAD’s entrepreneurs under iTEKAD’s • Operational Efficiency
initiatives • Strengthening Our Foundation

Natural Capital • High Performing Organisation Treasury &
Capital
• Electricity: 8,613,135 kWh Markets
• Water: 54,612 m 2
• Petrol: 516,545 litres
• Diesel: 19,927 litres

STRONG
GOVERNANCE Our diverse and knowledgeable Board of We ensure established and comprehensive
OVERSIGHT: Directors ensures best practices are adopted internal and external risk management
while providing oversight to the Management processes, policies and frameworks are in place
Bank Muamalat is
committed to the highest Committee in creating long-term shareholder to continuously deliver and sustain the Bank’s
standards of governance, and stakeholder value value propositions
ethics and integrity