Page 50 - Bank Muamalat_AR24

48 BANK MUAMALAT MALAYSIA BERHAD

OUR STRATEGIC DIRECTION

KEY FOCUS TO

DRIVE MOMENTUM

IN FY2025

Moving forward, the following strategic imperatives will be pivotal in
driving Bank Muamalat’s momentum in FY2025. Our unwavering focus
next year will centre on:

Portfolio Rebalancing for Optimised Performance Expansion of Income through New
Growth Engines
Our strategic rebalancing efforts will concentrate on enhancing yield
through a deliberate focus on high-yield portfolios, simultaneously We are committed to diversifying
containing the cost of funds by prioritising low-cost deposits. This will our income streams by leveraging
entail: new, innovative growth engines. This
includes:
Targeted Expansion of High-Yield Portfolios: We will strategically
expand our retail product offerings, with particular emphasis on personal Muamalat Corporate Transaction
financing, Ar-Rahnu, credit cards, and auto financing, to maximise our Banking (MCTB): We will continue to
returns. leverage on MCTB by offering more
comprehensive cash management
Optimising Business Opportunities and Strategic Alliances: We aim solutions for our corporate and
to unlock new avenues for growth and strengthen our market position commercial clients, unlocking more
in SME financing by capitalising on emerging business opportunities revenue potentials.
and forging robust strategic alliances.
ATLAS Digital Banking: The continued
Re-engineering Deposit Structures: Our approach to deposits will development and expansion of
involve a concerted effort to re-engineer our deposit structure towards ATLAS Digital Banking will be crucial
lower-cost alternatives, primarily through the expansion of our savings in broadening our reach and offering
and current account offerings. seamless digital financial services,
thereby contributing to increased
income.