Muamalat’s Networking

• Officially, until January 2008, Bank

Muamalat had one head office, 51 branch
offices, 10 sub branch offices, 12 sharia
service unit, and 83 cash offices.
• Besides, Bank Muamalat also has employed
more than 1,600 service point of Postal
Office which is real time on line service
covering mostly all of regions in Indonesia.
 Muamalat’s Recent Awards
Year Award Description
Jul-08 The Best National Bank Awarded from Business Indonesia Newspaper
Jul-08 The Best CEO 2008 Awarded from Business Indonesia Newspaper
Mar-08 Kriya Pranala Mahakarya Awarded from Central Bank (Bank Indonesia) as dedication of Bank
Muamalat in developing a linkage program
Jan. 2008 Double A Rating Sharia Awarded from International Islamic Rating Award
2007 5 Categories MURI Award - Bank with the largest real time online service
- Bank with the fastest growing in term of customer product
- Bank with the first model to issue saving account which match with its
account number
- Bank with the first model to issue saving account which match with its
account number
- The pioneer of Islamic Bank in Indonesia
2006 Islami Finance News Award The best Islamic Bank in Indonesia
2006 InfoBank Golden Award Bank with an outstanding performance five year in row
2006 Investor Indonesia Award - The best Sharia Bank in Indonesia
- The best issuing sukuk
2006 Investor Award - The most innovative sharia bank
2006 Indonesia Properti Award - The highest Employee Commitment Index
 Muamalat’s Financial Highlight
Financial Highlight Bank Muamalat (1998-2007)

12000 1000
10000 800
8000 600
Billion IDR

6000 400
4000 200
2000 0
0 -200
1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
Total Assets 479.1 693.3 1,127 1,564.4 2,124 3,309 5,210 7,427 8,371 10,617
Total Public Funds 391.9 528.1 825.3 1,198.0 1,697 2,509 4,331 5,750 6,837 8,691
Total Equity 39.3 101.4 108.91 152.23 181 307 339 763 786 914
Operating Profit(Loss) -105 -32.9 1.88 21.98 35 36 45 159 175 222
 Muamalat’s Financial Highlight

In the end of December Profit Share of Sharia Bank 2007

2007, Bank Muamalat
recorded operating profit
IDR 212 billion, 24%
higher than the previous 39%
year. It was remarkable
achievement since with
only 29% of the total asset 61%
of Sharia Bank, yet Bank
Muamalat has gained 39%
of total profit of the
industry Bank Muamalat Total Sharia Bank
 Muamalat’s Financial Highlight
10000 70
65.61
8,579
9000
60
8000 53.33

7000 6,628 50

Persentage
Billion IDR

5,888
6000
40
5000 4,185
30
4000

3000 2,373 20
1,748
2000 12.84
1,215.25
914.85 10
1000 462.1 432.1
4.32 4.84
3.43
2.12 2.19 2.00 1.92
0 0
1998 1999 2000 2001 2002 2003 2004 2005 2006 2007

Total Financing Facilities NPF

While the financing facilities is getting higher, the

non performing financing (NPF) can be reduced
significantly under 2% in 2007
 Muamalat’s Financial Highlight

One of the
notable Share of Shar-e Account to the
achievement is Total Mudharabah Saving Account
the fastest growth
of Shar-e
account.
31%
In the last for
years, Shar-e has
dominated the
growth of 69%
Mudharabah
Saving account in
the industry.
Total Mudharabah Sav. Acct Shar-e
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