Accelerating Aspirations.
Advancing Together.
Bank Muamalat’s 2025 Annual Report theme reflects shared progress focused on delivering stronger growth, deeper innovation, and more meaningful impact. It captures both the ambition of becoming The Strongest Islamic Bank in Malaysia and the belief that this aspiration is best achieved through genuine collaboration with all stakeholders.
The cover brings this to life through the timeless image of a tree reimagined in a digital context. Roots formed from interconnected circuits represent the years of disciplined investment in technology, governance, and operational foundations. A living canopy thrives above with fruitful nodes in glittering hues. This network of connective nodes, represents the Bank’s fulfilled relationships with customers, employees, and partners, each benefiting from the sustainable ecosystem the Bank continues to nurture and grow.
PERFORMANCE HIGHLIGHTS FOR 2025
Chairman’s Statement:
Accelerating Aspirations.
Advancing Together.
Chairman’s Statement:
Accelerating Aspirations.
Advancing Together.
The operating landscape in FY2025 demanded heightened resilience and agility across the banking fraternity. Externally, the environment was unsettled: US tariff measures reshaped trade flows, geopolitical tensions kept risk managers alert, and a domestic monetary policy shift required careful management of margins across the sector. Domestically, Malaysia held firm. The economy grew by 5.2%* for the year, surpassing official forecasts, and the fundamentals that underpin banking confidence, namely stable employment, domestic consumption, and continued government-led investment, remained broadly intact.
The operating landscape in FY2025 demanded heightened resilience and agility across the banking fraternity. Externally, the environment was unsettled: US tariff measures reshaped trade flows, geopolitical tensions kept risk managers alert, and a domestic monetary policy shift required careful management of margins across the sector. Domestically, Malaysia held firm. The economy grew by 5.2%* for the year, surpassing official forecasts, and the fundamentals that underpin banking confidence, namely stable employment, domestic consumption, and continued government-led investment, remained broadly intact.
PRESIDENT & CHIEF EXECUTIVE
OFFICER’S
Statement
DEAR STAKEHOLDERS,
It is both my privilege and a responsibility to present Bank Muamalat’s performance for the financial year ended 31 December 2025. FY2025 was a year in which our commitment to creating Better Lives, Together was demonstrated by real, measurable progress.
DEAR STAKEHOLDERS,
It is both my privilege and a responsibility to present Bank Muamalat’s performance for the financial year ended 31 December 2025. FY2025 was a year in which our commitment to creating Better Lives, Together was demonstrated by real, measurable progress.
SUSTAINABILITY STATEMENT
This Sustainability Statement presents a comprehensive overview of Bank Muamalat’s sustainability strategy, guiding principles, key initiatives, and performance for the financial year 2025. It serves to keep stakeholders informed of our sustainability efforts across all core business units and operations.
