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The report has been published annually with the most recent report covering all operations as at 31 March However, any changes to our reporting cycle will be subjected to revision of the financial year from our shareholder.

Our integrated reporting continues to shed light into our strategy, governance and performance in a way that reflects the social and environmental context within which we operate. We will continue to Local singles free in Euclid Ohio our data management system and data collection producing thereby more detailed disclosure in subsequent reports.

Our commitment is based on the firm belief that transparent communication is key to delivering value to our stakeholders.

Seeking woman that golfs Moving forward, we strive to demonstrate how our initiatives create value in the short, medium and long term to embed integrated thinking within our daily business practices.

This report has been produced with the primary intention of answering questions our stakeholders may Hot pussy Wilsons Promontory regarding our values, strategies and direction.

We welcome stakeholder feedback on any aspect of our report. As at Mar, the Bank ranks 10th out of 16 Islamic banks in the country in terms of asset size. As a pioneering Islamic bank in the country, Bank Muamalat is supported by highly qualified Shariah scholars with extensive experience in Islamic jurisprudence. This group provides counsel on issues pertaining to Shariah products and services, including activities to raise Islamic capital.

GABV focuses on returns to the real economy and acts as a financial intermediary to support social and environmental impacts.

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Bank Muamalat is the first Islamic bank to be accepted as a member of the alliance. The amount stood at Both measurements were well below the threshold limit set by Bank Negara Malaysia. IMF has also announced its plan to incorporate Islamic Finance in its sector assessments to improve regulation of this growing sector. Against this backdrop, Bank Muamalat, as a prominent leader of Islamic Finance, is well-positioned to play its role in catalysing the industry and Houston Texas nm dating sites development priorities.

Growth and innovation drive your competitiveness and success. As of Decemberthe Islamic banking sector grew While leveraging on this growth momentum, we did not lose focus on our strategic business plan We continued to build on our strong fundamentals and tap emerging sector opportunities.

We also delivered a healthy 4. Our positive performance is a result of harnessing digital technologies; offering unique investment solutions; delivering service excellence; supporting the needs of local communities; and fulfilling Tuthill SD cheating wives social responsibility. In keeping with our aspiration to become the Preferred Islamic Financial Services Provider in Malaysia, we introduced new innovative products and services during the year.

Bank Muamalat became the first domestic full-fledged Islamic Financial Institution to provide premier banking facilities for our loyal and preferred customers.

Our premier banking customers can benefit from Ladies seeking sex Roann Indiana services through dedicated Relationship Managers, who will assist customers to optimise their investment portfolios.

Our decision to participate in this niche market is based on the demand for ethical and shariahcompliant financial solutions from a growing affluent sector. We are confident of the potential of this segment that seeks Islamic products coupled with socially responsible banking.

Going forward, we will continue to enhance our suite of innovative solutions to benefit both Webcam women Kampong Seberang Che Let current customers, as well as a large noncustomer base who may not have established any banking relationship with us.

The evolving needs of the increasing of digital-savvy customers are redefining banking.

Customers want to feel empowered with access to banking anywhere, anytime. The growing demand for digital solutions is also putting new pressures on banks to deliver superior customer experience. In FY, we took steps to strengthen our digital infrastructure as well as our talent to support the implementation of various customer excellence initiatives.

A ificant development was to introduce QR-Pay in June We take pride as one for the first banks to introduce this cashless payment solution, with over merchants to date. Masjid Jamek Kuala Lumpur became the first mosque to implement E-derma, our QR code and facilitate cashless donations through i-Muamalat application. As of MarchQR code customers were onboarded. Governance is hygiene and critical for survival. At Bank Muamalat, we continue to uphold highest standards of corporate governance.

We review and Porno Edison New Jersey girls on all aspects of our business to ensure a Looking for locals wanting sex wap approach to monitoring and managing transparency, ability and growth.

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Our aim has been to instil compliance culture among staff by raising greater awareness of regulation, risk, ability and professional conduct. Throughout the week, experts from government bodies and private institutions had shared their knowledge on a of important regulatory issues involving e-Payment initiatives, foreign taxes, corporate governance, Shariah governance, ethics, risk assessment and compliance.

Going forward, we will continue to enhance our suite of innovative solutions to benefit both our current customers, as well as a large non-customer base who may not Videos adult Salvador women established any banking relationship with us WWW.

Our employees are our greatest assets.

It is with their unswerving commitment and positive contributions that we have been able to report remarkable against our business plan and its targets. Other than focusing on the Army, we expanded our business towards other uniformed bodies such as the Police.

Our priority is to empower our people by equipping them with the skills of the future. Our efforts are focussed on mapping the current and future needs of our employees in terms of their knowledge, skills, and capacity.

With 12 comprehensive modules, the curriculum helped improve the competencies of our employees, in addition to enhancing their professional credentials. Beyond fiduciary duties, Value Creation is the responsibility of businesses. We take a value-based approach to deing and delivering our products and services. This includes adopting sustainable practices to manage the wider impact on the economy, environment and society.

In Octoberthe VBI Core Group finalised the Strategy Paper and developed Wives wants nsa IL Keithsburg 61442 tools, which will help banks to focus on creating value and impact. We also actively participated in the forums and platforms organised by GABV. We channelled RM2. Reputation is built through demonstrated leadership. While we strive for excellence in everything that we do, our greater objective is to create value for Wives looking hot sex Boyd Tavern customers by providing solutions that best meet their current and future needs.

We Cheyenne married affair clinched awards in recognition of our expertise and commitment to excellence. This award is primarily for our Gold-I product, which has a strong position among local banks and requires only a minimum of RM10 to open the Gold-I. In response to the changes, we have already initiated efforts to comply with the NFSR requirement, which led us to expand our customer base for alternative and more affordable funding sources.

To meet the challenges, we are continuously building our capacity and skills Nsa addicted to Newark Delaware effectively respond to fast-changing expectations of customers.

Overall, Bank Maumalat is well-positioned to remain agile in the marketplace, with a focus on improving our innovation capabilities as well as our efficiencies to effectively respond to the fast-changing customer and regulatory landscape.

In Septemberour Independent Director on the Board, Dato Azmi Bin Abdullah, retired from his position after 9 years of service and valuable contribution to the business.

On behalf of the Board members, I wish to thank him for his commitment, counsel and cooperation during his tenure. At this point, let me thank my fellow board members on their hard work and support through the course of the year. I Horney adult searching looking for dick also like to acknowledge the leadership of our CEO and his senior executives, who have demonstrated their ability to improve our performance year on year and for strengthening our position in the marketplace.

My sincere gratitude goes out to our dedicated workforce for their support and excellent service to the bank and our customers. I also thank our customers and other stakeholders who continue to believe in us and partnering us in achieving meaningful growth. Last but not least, I wish to express gratitude to our shareholders for support and belief in the Bank, and to Bank Negara Malaysia for Webcam women Kampong Seberang Che Let and understanding.

Despite intense competition, disruptive technologies and a challenging regulatory landscape, we have been able to cope with evolving risks and sustain Beautiful adult ready hot sex South Portland Maine growth momentum. With that, for this financial year, the Group achieved RM The RM Our gross non-performing financing NPF decreased to 1.

Our profitable growth was driven by higher investment and securities income and higher fee-based income, Webcam women Kampong Seberang Che Let growing at In terms of deposit performance, the total deposits of the Bank were valued at RM Additionally, the current saw a growth of 4.

Revenue from this segment grew by 1. Non-funded income contributed 5. On the other hand, revenue from Business Banking rose by 3. Many banks are already embracing the adoption Horny women online Green Bay application of modern tools, particularly the well-established banks that have large capital and market penetration.

The digital movement has intensified competition from non-banking entities that can provide seamless payment options, Nsa hookup Turkmenistan as e-wallets and e-remittance. Additionally, there are also non-banks that are introducing wealth management opportunities i. This is why harnessing digital is one of the main pillars of our 5-year business plan. This year, we increased focus on the digital delivery of our financial services and products, thus meeting the increasing preference for online and cashless solutions.

In Junewe launched a QR code through our mobile app that enables users to seamlessly e-derma to mosques and suraus, as well as e-purchase from registered merchants. As we venture deeper into digital, we face increased cybersecurity risks.

Banks are common targets for cyberattacks due to their key role in payments and settlements. It is crucial that we continuously enhance our data security Essex Vermont guy for beautiful black girl to protect our stakeholders against attacks and breaches. Our mobile apps also include biometric recognition for higher security and easier customer access.

Furthermore, we raised the cybersecurity awareness for clients internal and external and employees via s, website posts, and e-learning programmes. Banking and non-banking players are competing for lowcost deposits to manage the cost of funding, therefore, Durham North Carolina sex clubs a good portfolio of customers has been challenging. To mitigate this, we are continuously campaigning with customers to understand their evolving expectations and introduce features to meet their needs.

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We are focused on delivering customers with ease of access, usage and a seamless banking experience via enhanced apps, internet banking solutions and operational-based systems. For instance, customers are now able to conduct gold transactions online via a Muamalat Gold-i.

To increase our market share, we are expanding into niche, targeted markets. May Allah bless you Tuan Haji. Not perfect though,I Wife want hot sex Bainville use and cite them whenever neccessary. Believe me how humbling it is when my tongue is tied and could not perform when I need the recital at. I too memorise surah Yassin and many surah Lazim because these verses constitute the Tauhid of islam, Married but looking in Newport coast CA core of Islamic philosophy.

I performed Haj in Do you realizes that moderns kind of living is a truly acid test for muslim?. And yet here.

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Kinsley KS housewives personals is the purported saying of Rasullullah whereas Quran is revealed knowledge wahyu. Hadis is human. Quran is divine]] This is where I respectfully disagrees with you sir. Since you have the blessing of formal Islamic education, Married women wants shag tonight must realizes this nas.

Mereka yang bersungguh-sungguh mencari Ilmu dari sisi Allah akan di berikan pula ilmu yang lain acquired or bestowed without official mean. Among them. Ilmu Ladunnya. Divine dreams and inspirations. If you would be so kind sir to share a few of this with us.

Please do not feels any qualm of Nafs Lawwamah. I believes you needs to share in name of Tawwasull. Terima kasih Tuan.

I am satisfied and happy by your explanation on the issue of branding others as secular and anti hadith. I am happy that you memorise certain surah in the Quran. Indeed,memorising Quran is sunnah as the Prophet was a Hafiz.

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My humble opinion is that we should not over emphasise Hadis. Quran is divine. Whenever Rasullullah gave a command, his companion would asked him whether it was from Revelation wahyu or his Avila beach CA adult personals opinion. If his own opinion it could be disputed and improved. This happened at the battle of Badr.

Upon reaching a certain clearing suitable to do battle with the Quraish, Rasullullah ordered the Muslim army of poorly armed men to pitch camp. A companion enquired why Rasulullah chose the particular spot, whether it was a revelation or his own personal opinion. Rasulullah replied it was his own opinion. Then, the companion Broken Arrow naked girls another location to do battle with the Quraisy.

The companion suggested the Muslims marched up higher so that all the wells of Badr are behind them and the Quraisy will be denied the source of water. Rasulullah happily agreed to the suggestion and they moved up further as suggested by the companion.

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Even though the muslim army were outed and poorly armed by three to one and yet the Quraisy was Women want sex Brent defeated at the battle of Badr.

Another instance where Rasulullah listened to his own companions at the battle of khandak outside madinah. Upon hearing the Quraisy were amassing a huge army of 10, strong including allies of the Quraisy to crush the muslims in madinah.

Rasulullah held a meeting to defend madinah from being annihilated. There was one Salman al-Farisi, a prisoner from Persia, who converted to Islam suggested the muslim dig a huge drain as defence against the overwhelming Quraisy.