Page 33 - Bank Muamalat_AR24

ANNUAL REPORT 2024 1 2 Message from Leadership 3 4 5 6 7 8 31

Towards this vision, our business strategy, risk management expanding initiatives such as iTEKAD, iPUSH, waqf, Jariah
framework, and long-term planning are meticulously Fund to reinforce our commitment to community
integrated to secure a sustainable and thriving future for empowerment and socio-economic development within
Bank Muamalat and for all Malaysians. This holistic Malaysia, and indeed, the broader global Islamic finance
approach aims to ensure institutional resilience, strategic industry.
agility, stakeholder confidence, and sustainable value
creation through digital resilience, community impact, and On behalf of the Management, I extend my deepest gratitude
comprehensive ESG integration. We will pursue targeted to our esteemed Board of Directors for their invaluable
growth with purpose, balancing our portfolio for optimal guidance and unwavering support. We also express our
funding costs and profitability, accelerating core fee income, sincere appreciation to our shareholders for their continued
and broadening our Shariah-compliant offerings to meet trust and confidence in Bank Muamalat. To our dedicated
the evolving needs of individuals, corporates and SMEs. employees, your hard work, commitment, and resilience have
Our commitment extends to investing in digital been instrumental in our achievements. And to our valued
transformation to enhance operational efficiency and customers, thank you for your continued loyalty and for
improve customer experience, embedding ESG and social choosing us as your trusted Islamic financial partner.
finance as core offerings, and differentiating ourselves As we move forward, we remain committed to leading with
through trust, service, and relevance, rather than merely purpose, guided by our values and strengthened by the trust
pricing.
of our stakeholders.
In the coming years, Bank Muamalat aspires to be the We pray that Allah SWT continues to bless our efforts.
preferred Islamic bank across retail, corporates and SME Wassalam.
segments in Malaysia, innovating Shariah-compliant offerings
tailored to local needs. We aim to evolve dynamically into a
digital-first Islamic bank, offering seamless Shariah-compliant KHAIRUL KAMARUDIN
digital banking experiences. Fundamentally, we will drive
social finance and financial inclusion with renewed vigour, President & Chief Executive Officer