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#MuamalatCares

Sustainability

Keeping it green, creating lasting value for generations ahead.

#MuamalatCares

Sustainability

Keeping it green, creating lasting value for generations ahead.

Commitment

Bank Muamalat Malaysia Berhad embeds ESG considerations into our Shariah-compliant strategies and operations. By aligning with our ethical standards, we strive to create a significant positive impact on our stakeholders, enhance our integrity, secure sustainable and enduring success, and build Better lives, together.

 

Pillars
Our Approach to Sustainability

At Bank Muamalat, sustainability guides our policies and decisions. Guided by Islamic values, we focus on inclusive growth, strengthening the real economy, uplifting communities and supporting environmental stewardship. Through Value-Based Intermediation (VBI) and ESG practices, we ensure our financing and products create long-term positive impact.

Sustainability Objectives

We support the United Nations Sustainable Development Goals (UN SDGSs) by promoting social well-being, inclusive growth, and environmental protection. Our initiatives focus on financial access, community resilience, and livelihood development to build a fairer, sustainable future for all.

UN Sustainable Development Goals (UNSDGs)

We focus on 7 Sustainable Development Goals (SDGs) that are most relevant to our business and stakeholders.

GOAL 1

Ensure everyone has access to sufficient income and essential for a decent life

GOAL 2

Provide access to enough healthy and nutritious food for all

GOAL 4

Ensure inclusive and equitable quality education and promote lifelong learning opportunities for all

GOAL 8

Promote sustained, inclusive and sustainable economic growth, full and productive employment and decent work for all

GOAL 10

Reduce inequality within and among countries

GOAL 12

Ensure sustainable consumption and production patterns

GOAL 16

Promote peaceful and inclusive societies for sustainable development, provide access to justice for all and build effective, accountable and inclusive institutions at all levels

Economic

Explore some of our key initiatives driving sustainable economic growth and community resilience:

M1: Economic Performance

Align the Bank’s strategic directions, business, and operations.


M2: Entrepreneur Development

Develop initiatives to support underserved segments, including MSMEs and entrepreneurs driving the local economy.

Environment

We reduce our environmental impact through carbon, water, and waste management initiatives:

M3: Carbon Management

Reduce greenhouse gas emissions to meet climate commitments and enhance efficiency.

We advance our low-carbon goals by improving energy efficiency, optimising operations, and integrating climate risk into decision-making through GHG monitoring and ESG-based assessments.


M4: Water Management

Practice good water habits to prevent waste.

We enhance water efficiency by optimising system operations and reducing consumption. Lowering water pump pressure at our headquarter helps conserve resources, improve performance, and support sustainable management across our facilities.


M5: Waste Management

Reduce, recycle, and manage waste to minimize the Bank’s environmental impact.

We promote responsible waste practices by minimising food waste and maximising resource use. Surplus edible food is donated to local communities, while daily tracking and categorisation of food waste help identify reduction opportunities and support more sustainable consumption across operations.

Social

Explore how we empower communities through various initiatives:

M6: Employment

Enhance talent attraction and retention while supporting employee well-being, work-life balance, and career growth.


M7: Diversity and Equal Opportunity

Promote a fair, inclusive workplace that upholds merit-based evaluation and prevents discrimination or harassment.


M8: Training and Education

Equip employees with essential skills and knowledge through continuous training and development.


M9: Community Development

Empower communities through sustainable, needs-based programmes that drive economic growth and social well-being.


M10: Financial Inclusion

Offer affordable, accessible products and services to enhance national financial inclusion.


M11: Customer Experience

Providing responsive, fair, and high-quality customer service.

Governance

We uphold integrity, accountability, and transparency through strong ethical and governance practices.

M12: Responsible Financing

Adopt ESG-integrated financing practices to ensure responsible credit decisions that create long-term positive impacts while avoiding harm to people and the planet.

We integrate ESG and climate risk assessments into our financing decisions using the ESG Scorecard, guided by BNM’s CCPT Principles.


M13: Procurement Practices

Engage suppliers committed to sustainability, ethical labour, and responsible production practices.

We uphold responsible procurement practices through strong governance, comprehensive due diligence and ethical supplier engagement, ensuring all vendors meet regulatory, operational and information security standards while maintaining transparency and accountability across the supply chain.


M14: Ethics & Integrity

Uphold high ethical standards with zero tolerance for bribery and corruption, ensuring accountability, transparency, and trust.

Our Board of Directors (BOD) and Board Risk & Compliance Committee (BRCC) lead with integrity, driving sustainability and climate risk strategies with transparency and accountability, while the Sustainability Department ensures effective implementation and alignment with the Bank’s long-term goals.

Sustainability Statements

At Bank Muamalat Malaysia Berhad, sustainability is integral to our purpose of Caring for the Ummah. Guided by Shariah principles and our Economic, Environmental, Social, and Governance (EESG) commitments, we aim to balance business growth with social responsibility and environmental stewardship.

Our sustainability journey reflects our dedication to embedding responsible practices across our operations — from ethical financing and inclusive growth to environmental conservation and community empowerment. By aligning our strategic direction with national sustainability frameworks and the United Nations Sustainable Development Goals (SDGs), we strive to create long-term value for our stakeholders while safeguarding the well-being of future generations.

Through continuous improvement and transparent reporting, Bank Muamalat remains committed to advancing a sustainable Islamic financial ecosystem that contributes to resilient communities, a cleaner environment, and a more inclusive economy.

 

Bank Muamalat strives to create #BetterLivesTogether for the community through impactful and sustainable products.

 

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2025-12-31 09:00:13