Service Transformation And Revitalization of Wholesale, Alliance, Remote

STAR WAR

  Laporan Tahunan Annual Report 2008 Service Transformation And Revitalization of Wholesale, Alliance, Remote Visi & Misi Vision & Mission

  Visi

Menjadi bank syariah utama di Indonesia, dominan di pasar spiritual,

dikagumi di pasar rasional.

  Misi

Menjadi ROLE MODEL Lembaga Keuangan Syariah dunia dengan penekanan

pada semangat kewirausahaan, keunggulan manajemen dan orientasi

investasi yang inovatif untuk memaksimalkan nilai kepada stakeholder.

  Vision

To become the premier sharia bank in Indonesia, dominant in the spiritual

market, admired in the rational market.

  Mission

To become a ROLE MODEL among the world’s sharia financial institutions,

emphasizing in entrepreneurial spirit, managerial excellence, and innovative

investment orientation to maximize value to stakeholders.

  Laporan Tahunan Bank Muamalat 2008 Annual Report Laporan Tahunan Bank Muamalat 2008 Annual Report Devotion to Purity

  Memelihara Kemurnian

  Laporan Tahunan Bank Muamalat 2008 Annual Report

  Sekilas Bank Muamalat Bank Muamalat In Brief

  

PRESTASI Satu Dasawarsa 1998-2008:

1998-2008, a Decade of PERFORMANCE:

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

^{1,564.42 1999 2000 2001 2002 2003 2004 2,123.51 1,127.00 693.30}

^3,308.68

^{2005 5,209.80 2006 7,427.05 2007 2008 10,569.08} TOTAL AKTIVA TOTAL ASSETS

  [Miliar Rupiah - Billion Rupiah ] ^12,596.72 _8,370.59 1998 ^479.10

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

  Laporan Tahunan Bank Muamalat 2008 Annual Report Laporan Tahunan Bank Muamalat 2008 Annual Report

Pernyataan Dewan Pengawas Syariah

  K.H. M. A. Sahal Mahfudh Ketua Chairman

  K.H. Ma’ruf Amin Anggota Member

  Prof. Dr. H. Umar Shihab Anggota Member

  Prof. Dr. H. Muardi Chatib Anggota Member

  Statement from The Sharia Supervisory Board

  Laporan Tahunan Bank Muamalat 2008 Annual Report Prof. Dr. H. Muardi Chatib

  Anggota Member Prof. Dr. H. Umar Shihab

  Anggota Member K.H. Ma’ruf Amin

  Anggota Member K.H. M. A. Sahal Mahfudh

  Ketua Chairman

  Ikhtisar Kinerja Keuangan Financial Highlights _{*) Restated in line with implementation of PSAK 24 (2004 revision) “imbalan kerja”.} *) Disajikan kembali sehubungan dengan penerapan PSAK 24 (revisi 2004) “imbalan kerja”

  Laporan Tahunan Bank Muamalat 2008 Annual Report

LABA (RUGI) OPERASIONAL

  309.10

OPERATING PROFIT (LOSS)

  221.37 [Miliar Rupiah - Billion Rupiah ]

  174.77 159.18

  74.89

  34.86

  21.98

  1.88 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

  (32.90) (105.00) 966.18 846.16

  TOTAL EKUITAS TOTAL EQUITY 786.44

  [Miliar Rupiah - Billion Rupiah ] 763.41 339.11

  307.35 181.49 152.23 108.91

  101.40

  39.30 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

  65.61 NPF

  53.33 NPF [Miliar Rupiah - Billion Rupiah ]

  12.84

  4.32

  4.84

  3.85

  3.43

  2.19

  2.12

  2.00

  1.33 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

STAR WAR J\im`Z\ KiXej]fidXk`fe 8e[ I\m`kXc`qXk`fe f] N_fc\jXc\# 8cc`XeZ\# I\dfk\

  FAST SERVICE Friendly, Accessible, Secure, To your needs J\im`Z\ KiXej]fidXk`fe Laporan Tahunan Bank Muamalat 2008 Annual Report

  

N8I N_fc\jXc\# 8cc`XeZ\# I\dfk\

Wholesale

  Laporan Tahunan Bank Muamalat 2008 Annual Report

  Laporan Tahunan Bank Muamalat 2008 Annual Report Wholesale Alliance Remote

  Alliance Remote

BANK MUAMALAT SERVICE NETWORK (NUMBER OF UNITS)

  51

  9

  8

  8

  13

  10

  8

  7

  5

  3

  1

  52

  51

  Cabang/ Branch

  47

  43

  32

  13

  13

  13

  10

  1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

  2004 2005 2006 2007 2008 Jaringan Kantor Bank Muamalat Bank Muamalat Branch Network Jaringan Aliansi Bank Muamalat Bank Muamalat Alliance Network

  Unit Pelayanan Syariah/ Sharia Services Unit

  1999 2000 2001 2003 2002

  Cabang Pembantu/ Sub Branch Kantor Kas/ Cash Office

  20

  SOPP Pos/ On-Line Post Office

  Jumlah Jaringan BMI/ Total BMI Network

  Laporan Tahunan Bank Muamalat 2008 Annual Report JARINGAN LAYANAN BANK MUAMALAT (JUMLAH UNIT)

  Gerai Muamalat/ Gerai Muamalat

  18

  21

  55 66 156 177 187 209 213 224

  44

  31

  43

  43

  43

  46

  46

  46

  99

  90

  89

  81

  78

  70

  46

  37

  28

  21

• 292 573 1,400 1,800 3,063

REKENING NASABAH BANK MUAMALAT (JUMLAH REKENING)

  Laporan Tahunan Bank Muamalat 2008 Annual Report

Rekening (Account) 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

Non Shar-E Saving 205,143 249,104 297,086 349,943 411,879 517,022 615,044 694,310 724,975 688.274

Shar-E - - - - - 7,521 132,669 663,877 1,239,439 1,980,070

Wadiah Current Account 8,044 9,442 10,684 11,937 13,148 14,989 18,278 22,465 26,722 29,321

Mudharabah Time Deposit 29,228 35,847 43,914 55,529 71,710 95,225 119,849 147,173 157,259 214.79

  Total 243,015 294,033 351,684 417.409 496,737 634,757 885,840 1,527,825 2,148,395 2,912,455

  500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000

  243,015 ^{294,033 351,684 417,409 496,737 634,757 1.527.825 2,148.395 2,912,455 885,840} 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 ^{132,669 663,877 1,239,439 1,980,070 7,521}

  Jumlah Rekening Total Account Jumlah Rekening Shar-E Total Shar-E Account

  Laporan Tahunan Bank Muamalat 2008 Annual Report Drs. H. Abbas Adhar

  Komisaris Utama President Commissioner

  Sambutan Komisaris Utama Message From President Commissioner engan mengucapkan syukur alhamdulillah ke hadirat Allah SWT, perkenankan kami

  D menyampaikan beberapa catatan keberhasilan Bank Muamalat pada tahun buku 2008. Berkat strategi usaha yang tepat, serta kerja keras dan dedikasi segenap Kru Muamalat, kita berhasil mempertahankan laju pertumbuhan Bank Muamalat yang pesat, tanpa mengurangi kaidah kehati-hatian perbankan yang sehat

dan bertanggung jawab.

  With the grace of Allah SWT, allow me to highlight some of the achievements of Bank Muamalat during fiscal year 2008. Backed by the right business strategy, hard work and the dedication of the entire Muamalat Crew, we have succeeded in maintaining the rapid pace of growth of Bank Muamalat, without compromising on the prudential principles of sound and responsible banking operations.

  Laporan Tahunan Bank Muamalat 2008 Annual Report

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

  Laporan Tahunan Bank Muamalat 2008 Annual Report

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

Drs. H. Abbas Adhar

  

Komisaris Utama President Commissioner

1 Prof. Korkut Ozal

  Laporan Tahunan Bank Muamalat 2008 Annual Report Dewan Komisaris

  Board of Commissioner Drs. Aulia Pohan

  Komisaris Commissioner

2 Drs. H. Abbas Adhar

  Komisaris Commissioner

3 Dr. Ahmed Abisourour

  

Komisaris Utama

President Commissioner

  Komisaris Commissioner

  4 H. Iskandar Zulkarnain S.E.M.Si Komisaris

  Commissioner

  5 Laporan Tahunan Bank Muamalat 2008 Annual Report H.A. Riawan Amin, M. Sc

  Direktur Utama President Director Laporan Tahunan Bank Muamalat 2008 Annual Report Message from President Director

  Sambutan Direktur Utama We have every reason to be thankful for the achievements of Bank Muamalat especially in the past 10 years. Our performance for 2008, validates the consistent growth that we have

managed to achieve over the past decade.

ita patut mensyukuri hasil yang diperoleh oleh Bank Muamalat khususnya dalam 10 tahun terakhir ini. Kinerja yang diraih Bank Muamalat di tahun 2008, mengukuhkan konsistensi pertumbuhan yang ada terutama dalam satu dasawarsa terakhir.

  K

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

  Laporan Tahunan Bank Muamalat 2008 Annual Report

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

  Laporan Tahunan Bank Muamalat 2008 Annual Report

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

H.A. Riawan Amin, M.Sc

  

Direktur Utama President Director Laporan Tahunan Bank Muamalat 2008 Annual Report

Direksi

  

Board of Directors

Ir. H. Arviyan Arifin

  Direktur Director

  Ir. H. Andi Buchari, M.M Direktur Director

  

Direktur Utama

President Director

  Drs. U. Saefudin Noer, M.Si Direktur Director

  Direktur Director

  5

  4

  

3

  2

  1

H. A. Riawan Amin, M.Sc

H. M. Hidayat, S.E. AK

  Significant Events in 2008 Peristiwa 2008

• • The Best National Bank in Indonesia 2008 • CEO of The Year 2008

  Laporan Tahunan Bank Muamalat 2008 Annual Report

BISNIS INDONESIA AWARD:

  Wakil Komisaris

  2P=I= -1 'QNJ=HEJ@K G=O=N= $N=łG= Pemimpin Perusahaan Bisnis Indonesia, Soebronto Laras (kiri), menyerahkan penghargaan CEO of The Year kepada Amin (kanan), disaksikan oleh Menteri Perindustrian, Fahmi Idris, pada acara Bisnis Indonesia Award di Jakarta. Selain itu Bank Muamalat juga dinobatkan sebagai The Best National Bank in Indonesia tahun 2008.

  BISNIS INDONESIA AWARD: Vice President Commissioner of PT. Jurnalindo Akasara $N=łG= ", KB EOJEO &J@KJAOE= 0KA>NKJPK Laras (left), presented the CEO of The Year award to the President Director of Bank Muamalat, A. Riawan Amin (right), witnessed by the Minister of Industry, Fahmi Idris, during the Bisnis Indonesia Award presentation in Jakarta. Bank Muamalat also awarded as The Best National Bank in Indonesia 2008.

  Bisnis Indonesia, Selasa, 8 Juli 2008 Laporan Tahunan Bank Muamalat 2008 Annual Report

  PENGHARGAAN: Ketua Umum Asosiasi bank Syariah Indonesia (Asbisindo) A. Riawan Amin (kanan) menerima anugerah Tokoh Perubahan Pribadi Produktif 2008 dari HU Republika, yang diserahkan oleh Pemimpin Redaksi HU Republika Ikhwanul Kiram Mashuri di Jakarta, Jumat (6/2/09).

  A. Riawan Amin yang juga Direktur Utama Bank Muamalat ini dikenal sebagai tokoh perubahan di bidang perbankan dan ekonomi syariah.

  AWARDS: The Chairman the Indonesian Syariah Banking Association (Asbisindo) A. Riawan Amin (right) received the recognition as The 2008 Figure of Productive Change from Republika daily, submitted by Kiram Mashuri in Jakarta, Friday (6/2/09). A. Riawan Amin, who is also the President Director of Bank Muamalat indonesia, is acknowledged as a figure of change in the syariah banking and economy.

  NU-MUHAMMADIYAH-ASBISINDO: Ketua PBNU, Mustafa Zuhad (kiri), menerima sumbangan bantuan komputer dari Ketua Asosiasi Bank Syariah Indonesia (Asbisindo), A. Riawan Amin. Hal tersebut sebagai tindak lanjut pemberdayaan ekonomi umat kepada NU dan Muhammadiyah, Jakarta, (24/1/09).

  NU-MUHAMMADIYAH-ASBISINDO: The Chairman of PBNU, Mustafa Zuhad (kiri), received donation of computers from the Chairman of the Indonesian Association of Sharia Banks (Asbisindo), A. Riawan Amin. The donation is a follow up to the economic empowerment of ummat from the Islamic organisations of NU and Muhammadiyah in Jakarta, (24/1/09).

  Dari kiri ke kanan Dirut

PEMBIAYAAN SINDIKASI:

  PT. Al Ijarah Indonesia Finance, Herbudi S. Tomo, Pimpinan Bank Syariah Mandiri, Ismi Kushartanto, Dirut PT. Trigana Air Service, Tri Putra Yusni, Direktur PT. Trigana Air Service, Rubijanto Adisarwono, wakil Dirut Bank BNI, Gatot M. Suwondo, Ketua Umum Asbisindo, A. Riawan Amin, dan Direktur Bank Muamalat, Arviyan Arivin, saling bertumpu tangan seusai penandatanganan akad pembiayaan sindikasi international senilai Rp 150 miliar di Jakarta.

  SYNDICATION FINANCING: From left to right the CEO of PT. Al Ijarah Indonesia Finance, Herbudi S. Tomo, Head of Bank Syariah Mandiri, Ismi Kushartanto, CEO of PT. Trigana Air Service, Tri Putra Yusni, Director of PT. Trigana Air Service, Rubijanto Adisarwono, Vice President Director of Bank BNI, Gatot M. Suwondo, Chairman of Asbisindo, A. Riawan Amin, and Director of Bank Muamalat, Arviyan Arivin, joined hands BKHHKSEJC PDA OECJEJC KB =J EJPANJ=PEKJ=H OUJ@E?=PEKJ łJ=J?EJC of Rp 150 billion in Jakarta.

  Laporan Tahunan Bank Muamalat 2008 Annual Report

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

  IIRA-International Sharia Rating: The International &OH=IE? /=PEJC CAJ?U Ġ&&/ ANPEłA@ =JG *Q=I=H=P SEPD = 0D=NE= .Q=HEPU /=PEJC ANPEł?=PA EJ )KJ@KJ #A>NQ=NU 1DA ANPEł?=PA EO LNAOAJPA@ >U PDA DEAB "TA?QPERA ,Bł?AN KB &&/ '=I=H >>=O 7=E@E (right), to the President Director of Bank Muamalat, A.

  Riawan Amin, (second from right), witnessed by (from left to right) The Deputy Governor of Bank Indonesia, Siti Chalimah Fadjrijah, Special Envoy of the President of the Republic of Indonesia to the Middle East, Alwi Shihab, and Chairman of the International Islamic Financial Market, Khalid Hamad.

  IIRA-International Sharia Rating: International &OH=IE? /=PEJC CAJ?U Ġ&&/ IAI>ANEG=J 0ANPEłG=P Sharia Quality Rating dengan “AA” rating kepada Bank Muamalat di London, tanggal 4 Februari 2008.

  0ANPEłG=P @EOAN=DG=J KHAD DEAB "TA?QPERA ,Bł?AN &&/ '=I=H >>=O 7=E@E ĠG=J=J GAL=@= !ENAGPQN 2P=I= Bank Muamalat, A. Riawan Amin (kedua dari kanan), disaksikan oleh (dari kiri ke kanan) Deputi Gubernur Bank Indonesia, Siti Chalimah Fadjrijah, Utusan Khusus Presiden RI untuk Timur Tengah, Alwi Shihab, dan Chairman International Islamic Financial Market, Khalid Hamad.

  BANK MUAMALAT RAIH PENGHARGAAN “AA” INTERNATIONAL RATING Suara Karya, Rabu, 6 Februari 2008

  JARINGAN ONLINE MUAMALAT: Presiden Susilo Bambang Yudhoyono menerima penjelasan dari Direktur Utama Bank Muamalat, A. Riawan Amin (kiri), disaksikan Gubernur Bank Indonesia, Boediono (tengah) saat mengunjungi stand Bank Muamalat di acara Festival Ekonomi Syariah ke- 2 di Balai Sidang, Jakarta, Rabu (4/2/09). Bank Muamalat memperluas jaringan online-nya hingga 3.500 outlet di seluruh Indonesia termasuk kantor baru di Mamuju, Sulawesi Barat.

  MUAMALAT ONLINE NETWORK: President Susilo Bambang Yudhoyono received briefings from the President Director of Bank Muamalat,

  A. Riawan Amin (left), witnessed by Governor of Bank Indonesia, Boediono (center), during the visit to Bank Muamalat stand at The 2nd Syariah Economic Festival in Convention Center, Jakarta, Wednesday (4/2/09). Bank Muamalat expanded its online network to 3,500 outlets throughout Indonesia including a new office in Mamuju, West Sulawesi.

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

WIEF-INVESTMENT IN THE REGION: Direktur Utama Bank Muamalat, A. Riawan Amin (kanan), tampak sedang menyampaikan presentasinya dalam panel, berdua dengan Gubernur Bank Indonesia, Boediono (kiri), pada

  4KNH@ &OH=IE? "?KJKIE? BKNQI GA @E '=G=NP= Ġ Pada pembahasan Investment in the Region, Riawan yang membahas peran Islamic Bank pada Investasi di Indonesia ini memperoleh banyak perhatian forum yang dihadiri oleh LAOANP= @=NE JAC=N= WIEF-Tide of Global Fi nancial Crisis:

  Direktur Utama Bank Muamalat, A. Riawan Amin (kanan), berdiri bersama para panelis World Islamic Economic Forum ke-5 U=JC @EOAHAJCC=N=G=J @E '=G=NP= Ġ 1=IL=G @=NE GENE GA kanan: Chairman WIEF ke-5, Tanri Abeng (kiri), Menteri Negara BUMN, Sofyan Djalil, Menteri Keuangan RI, DR. Sri Mulyani Indrawati, Moderator (Sekjen Moslem Britain of Council), Sir Iqbal Sacranie, dan ketua ASBISINDO, A. Riawan Amin.

  WIEF-Tide of Global Financing Crisis: The President Director of Bank Muamalat, A. Riawan Amin (right), standing with the panelists of 5th World Islamic Economic Forum, DAH@ EJ '=G=NP= Ġ #NKI HABP PK NECDP =NA D=ENI=J KB the 5th WIEF, Tanri Abeng (left), Minister of State Enterprise, Sofyan Djalil, Minister of Finance RI, DR, Sri Mulyani Indrawati, Moderator (Sec. Gen. of Moslem Britain of Council). Sir Iqbal Sacranie, and Head of ASBISINDO, A. Riawan Amin.

  INVESTASI WIEF DI KAWASAN: President Director of Bank Muamalat, A. Riawan Amin (right), on presentation as a panelist, together with Bank Indonesia Governor, Boediono (left), at the 5th World Islamic Economic forum in Jakarta Ġ !QNEJC PDA @EO?QOOEKJ KJ &JRAOPIAJP EJ PDA /ACEKJ Riawan explained the role of Islamic Banks on investments in Indonesia, the discussion received many attention attended >U @AHAC=PAO BNKI ?KQJPNEAO

WIEF: MUAMALAT-IPS:

WIEF: MUAMALAT-IPS:

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

  Direktur Utama Bank Muamalat

  A. Riawan Amin (kanan) tampak sedang mendandatangani memorandum of Agreement bersama CEO Islamic payment System Berhad Sahzad Kader Sultan pada pembukaan World Islamic Economic Forum ke-5 yang diselenggarakan di Jakarta Ġ -AJ=J@=P=JC=J=J EJE @EO=G=OEG=J KHAD (AL=H= Negara dan Tuan Rumah Presiden RI.

  WIEF-POS: Direktur Utama Bank Muamalat A. Riawan Amin (kiri) tampak sedang mendandatangani memorandum of agreement bersama Wakil Direktur Utama PT. Pos Indonesia

  I Ketut Mardjana (kanan) pada pembukaan World Islamic Economic Forum ke-5 yang diselenggarakan di Jakarta Ġ -AJ=J@=P=JC=J=J EJE @EO=G=OEG=J KHAD (AL=H= Negara dan Tuan Rumah Presiden RI.

  President Dirctor of Bank Muamalat, A. Riawan Amin (right) signing a memorandum of Agreement with CEO Islamic payment System Berhad Sahzad Kader Sultan, on the opening of the 5th World Islamic Economic #KNQI DAH@ EJ '=G=NP= Ġ 1DA OECJEJC S=O SEPJAOOA@ by 8 Head of Countries and President of RI.

  WIEF-POS: President Director of Bank Muamalat, A. Riawan Amin (left) was signing a memorandum of agreement with Vice President Director of PT. Pos Indonesia, I. Ketut Mardjana (right) on the opening of the 5th World Islamic Economic #KNQI DAH@ EJ '=G=NP= Ġ 1DA OECJEJC S=O SEPJAOOA@ by 8 Head of Countries and President of RI.

R.U.P.S

  Republika, Kamis Bisnis Indonesia, Sabtu, 3 Mei 2008 , 24 April 2008

RUPS: Direktur Utama Bank Muamalat, A Riawan PROGRAM TABUNGAN: Direktur Bank Muamalat,

Amin (tengah), berbincang dengan jajaran Direktur U. Saefudin Noer (mengenakan batik), menyerahkan

kepada dua nasabah perlengkapan ibadah di Jakarta, H=EJJU= NREU=J NEłJ 2 0=ABQ@EJ +KAN J@E Q?DKNE kemarin. Bank Muamalat meraih penjualan 1,44 juta dan M. Hidayat (kiri-kanan) usai acara RUPS Bank G=NPQ @=H=I LNKCN=I N=ED 2IN=D IAH=HQE LNK@QG

• Q=I=H=P @E '=G=NP= /=>Q Ġ tabungan instan Shar-E dengan memberangkatkan sebanyak 887 nasabah berumrah ke tanah suci Mekkah

  AGMS: The CEO of Bank Muamalat, A Riawan Amin dalam tiga tahap. (center), speaking with other members of the Board of !ENA?PKNO BNKI HABP PK NECDPġ NREU=J NEłJ 2 0=ABQ@EJ

  SAVINGS PROGRAM: Director of Bank Muamalat, Noer, Andi Buchori dan M. Hidayat, on the ocassion U. Saefudin Noer (wear batik) presented to two of Bank Muamalat’s AGMS in Jakarta, Wednesday customers a prayers kit in Jakarta. Bank Muamalat Ġ gained the sale of 1.44 million cards, in the program ĺNA=?D BKN 2IN=D† KB PDA EJOP=JP O=REJCO LNK@Q?P Shar-E, by sponsoring a total of 887 customers to undertake their Umrah pilgrimage to the holy city of Mecca in three stages.

  Laporan Tahunan Bank Muamalat 2008 Annual Report

MUKERNAS ASBISINDO

FASILITAS SUKUK

• =H=JC 0=>PQ Ġ *QOU=S=N=D >ANPAI= -AN=J dan Akselerasi Perbankan Syariah dalam Kebangkitan Pembangunan Perekonomian Nasional.

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

PEMBIAYAAN SUKUK: Direktur Bank Muamalat, NREU=J NEłJ (APQ= O>EOEJ@K /E=S=J IEJ Presdir PT Intikeramik Alamsari Tbk, Lie Ju Tjhong, Dirut PT Al Ijarah Indonesia Finance, Herbudi S Tomo, dan Direktur A. Farouk Alawyni saat penandatanganan kerjasama dalam hal pemberian fasilitas sukuk senilai 22 juta dolar AS di Jakarta.

  SUKUK FINANCING: Director of Bank Muamalat, NREU=J NEłJ D=ENI=J KB O>EOEJ@K /E=S=J Amin, CEO of PT Intikeramik Alamsari Tbk, Lie Ju Tjhong, CEO of PT Al Ijarah Indonesia Finance, Herbudi S Tomo, and Director A. Farouk Alawyni, during signing KB PDA 0QGQG łJ=J?EJC =NN=JCAIAJP BKN 20! IEHHEKJ in Jakarta.

  MUKERNAS ASBISINDO: Deputi Gubernur BI, Siti Chalimah Fadjriah, memberikan sambutan dalam acara Musyawarah Kerja Nasional Asbisindo di Hotel Santika,

  NATIONAL CONVENTION OF ASBISINDO: The Deputy Governor of BI, Siti Chalimah Fadjriah, gave her keynote address in the National Convention of O>EOEJ@K =P %KPAH 0=JPEG= *=H=JC 0=PQN@=U Ġ The convention theme: The role and Acceleration of Sharia Banking in the Rejuvenation of National Economic Development.

  PELATIHAN ISLAMIC BANKING: Representative Islamic Research and Training Institute IDB, Osman Babiker (kiri), berbincang dengan Advisor Islamic Finance Unit Maldives Monetary Authority, Abdullalh S. Hasan (kedua dari kiri), Chairman Indonesia Sharia Banks Association, A. Riawan Amin (kedua dari kanan), dan Governor Maldives Monetary Authority, Abdulla Jihad, seusai acara Development of Modern Islamic Banking Training, SEACEN-IRTI IDB di Jakarta. DEVELOPMENT OF MODERN ISLAMIC BANKING TRAINING, SEACEN-IRTI IDB

  ISLAMIC BANKING TRAINING: Representative of Islamic Research and Training Institute IDB, Osman Babiker (left), conversing with the Advisor of Islamic Finance Unit Maldives Monetary Authority, Abdullalh S. Hasan (second from left), Chairman of Asbisindo,

  A. Riawan Amin (second from right), and Governor of the Maldives Monetary Authority, Abdulla Jihad, on the ocassion of Development of Modern Islamic Banking Training, SEACEN-IRTI IDB in Jakarta.

  Republika, Senin, 5 Mei 2008

ISLAMIC FINANCE AWARD

  Laporan Tahunan Bank Muamalat 2008 Annual Report

Bank Muamalat Menerima Sembilan Penghargaan

Dalam Islamic Finance Award 2008

  

Bank Muamalat Achieved Nine Awards in Islamic

Finance Award 2008

  ISLAMIC FINANCE AWARD: Direktur Bank Muamalat, M. Hidayat (kiri), bersama Dirut PT. Indosat Tbk, Johnny Swandi Sjam (tengah), dan Direktur UKM dan Syariah BNI, Achmad Baiquni, berfoto bersama seusai menerima Islamic Finance Award 2008 dari Karim Business Consulting di Jakarta. Muamalat menerima sembilan penghargaan, salah satunya The Biggest & The Most Active Costumer for Islamic Bank, Indosat meraih The Biggest & The Most Active Sukuk Issuer dan BNI Syariah menerima empat penghargaan O=H=D O=PQJU= =@=H=D 1KL KB *EJ@ 0D=NE= 2JEP !EREOEKJ

  ISLAMIC FINANCE AWARD: Director of Bank Muamalat, M. Hidayat (left), with the CEO of PT Indosat Tbk., Johnny Swandi Sjam (center), and Director of SME and Sharia banking of BNI, Achmad Baiquni, pose together following the presentation of the Islamic Finance Award 2008 from Karim Business Consulting in Jakarta. Bank Muamalat garnered nine awards, including for Biggest & Most Active Customer for Islamic Bank, Indosat was recognised as Biggest & Most Active Sukuk Issuer, while BNI Syariah received four awards including Top of Mind Sharia

  2JEP !EREOEKJ Bisnis Indonesia, Senin, 1

  2 Mei 2008 LAYANAN PHONE BANKING: Direktur PT Bank Muamalat Tbk, U. Saefudin Noer (kiri), memberikan penjelasan kepada Reprensentative Islamic Research and Training Institute, Islamic Development Bank, Osman Babiker (kedua kiri), Director Islamic Economics Unit Kuwait University, Mohammad Al-

LAYANAN PHONE BANKING

  Qattan (kanan), Deputy Division Chief National Bank of Cambodia, Pou Chiang Hong, di ruang layanan Salam Muamalat phone banking Jakarta, kemarin. Peristiwa itu sehubungan dengan kunjungan peserta 4th South "=OP OE= AJPN=H =JG &/1& &! &JPANIA@E=PA KQNOA yang diselenggarakan Bank Indonesia.

  PHONE BANKING SERVICE: Director of Bank Muamalat Indonesia, U. Saefudin Noer (left), briefed the Reprensentative of Islamic Research and Training Institute, Islamic Development Bank, Osman Babiker (second from left), Director of Islamic Economics Unit, Kuwait University, Mohammad Al-Qattan (right), Deputy Division Chief of the National Bank of

  EOJEO &J@KJAOE= 'QI<=P *AE Cambodia, Pou Chiang Hong, at the phone-banking service center, Salam Muamalat, in Jakarta. The visit was in conjunction with the 4th South East Asia AJPN=H =JG &/1& &! &JPANIA@E=PA KQNOA KNC=JEOA@ by Bank Indonesia.

PROPERTY AWARD

  I<=P *AE

• A@E= &J@KJAOE= 'Q

  

PROPERTY AWARD: Menteri Perumahan Rakyat, PROPERTY AWARD: Minister of Public Housing,

Yusuf Ashari (kedua dari kanan), berbincang dengan Yusuf Ashari (second from right), converses with

Wakil Dirut BTN, Evi Firmansyah (kedua dari kiri), SVP the Vice President Director of BTN, Evi Firmansyah

Consumer Loans Bank Mandiri, Sarastri Baskoro (kiri), (second from left), SVP Consumer Loans of Bank

dan Direktur Bank Muamalat, U. Saefudin Noer, seusai Mandiri, Sarastri Baskoro (left), and Director of BMI,

memberikan Indonesia Property and Bank Award di U. Saefudin Noer, on the presentation of the Indonesian

Jakarta. Property and Bank Award in Jakarta.

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

SETORAN BERSAMA PENGHARGAAN UMRAH

  8 200 OPQO uni

  CQ

11 J

  >PQ bu, , Ra

  E= 0= esia KJAO don

  O &J@ is In Bisn

  EOJE SETORAN BERSAMA: PENGHARGAAN UMRAH:

Ketua Umum Asosiasi Bank Syariah Indonesia Direktur Bank Muamalat, U. Saefudin Noer (kedua

(Asbisindo), A. Riawan Amin (kiri), menyampaikan kiri), didampingi Ketua Tim Umrah, Delyuzar Syamsi, presentasi pada acara diskusi panel bertema Explore menyerahkan seperangkat keperluan ibadah kepada Islamic Finance in Indonesia di Konferensi International nasabah di Jakarta kemarin. Bank Muamalat memberi investment IQ Indonesia 2008 di Jakarta. Nara penghargaan kepada 105 nasabah Shar-E untuk sumber lain dalam diskusi tersebut antara lain Ketua Umrah ke tanah suci Mekah. Kamar Dagang International Indonesia, Peter Fanning (tengah), dan CEO CIMB Islamic, Badlisyah Abdul

  PILGRIMAGE AWARD: Ghani (kanan). Riawan menyatakan pentingnya setoran Director of Bank Muamalat, U. Saefudin Noer (second bersama perbankan syariah untuk memaksimalkan from left), accompanied by the Head of Umroh outlet perbankan syariah di Indonesia. Team, Delyuzar Syamsi, presented prayers sets to customers in Jakarta. Bank Muamalat rewarded 105

  JOINT DEPOSIT:

Chairman of Asbisindo, A. Riawan Amin (left), Shar-E customers to go on an Umrah pilgrimage to

in discussion with the Chair of the Indonesian the holy city of Mecca. International Chamber of Commerce, Peter Fanning (left), and CEO of CIMB Islamic, Badlisyah Abdul Ghani, prior to the panel discussion under the theme of Explore Islamic Finance in Indonesia at the IQ International Investment Conference held in Jakarta in 2008. Riawan underlines the importance of a joint deposit facility among sharia banks in Indonesia in order to maximize sharia banking’s outlets in the country.

  Laporan Tahunan Bank Muamalat 2008 Annual Report

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

UMRAH: Direktur Bank Muamalat M. Hidayat (dua dari kiri), dan Arviyan Arifin (dua dari kanan), disaksikan anggota Dewan Pengawas Syariah, Muardi Chatib (kiri), dan Notaris Arry Supratno, melakukan penarikan pemenang hadiah Umrah yang diberikan Bank Muamalat bagi nasabahnya di Jakarta. Pada periode ini sebanyak 105 nasabah Shar-E Bank Muamalat akan memperoleh hadiah Umrah .

  UMRAH: Directors of Bank Muamalat, M. Hidayat (second from left), and Arviyan Arifin (second from right), witnessed by a member of the Sharia Supervisory Board, Muardi Chatib (left), and Notary, Arry Supratno, officiated in the prize draw for Umrah given by Bank Muamalat for its customers in Jakarta. For this prize draw period, a total of 105 Shar-E customers of Bank Muamalat will receive the Umrah prize.

  Sep utar Ind one sia, Kam is, 1

  0 Ju li 20

  08 UMRAH

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

  INDONESIAN BANK LOYALTY AWARD: Direktur Markplus & Co. Michael Hermawan menyerahkan plakat penghargaan kepada Dirut Bank Muamalat A. Riawan Amin, yang memperoleh penghargaan sebagai Bank Syariah Terbaik dari Indonesia Bank Loyalty S=N@ & ) @E '=G=NP=

  INDONESIAN BANK LOYALTY AWARD: Director of Markplus & Co, Michael Hermawan provided an award to the President Director of Bank Muamalat,

  A. Riawan Amin, who received the award as the Best Syariah Bank by the Indonesia Bank Lolayty Award, & ) EJ '=G=NP=

  EKSPANSI MUAMALAT: Dirut Bank Muamalat Indonesia, A. Riawan Amin (kanan), berbincang dengan Dubes RI untuk Malaysia, Da’i Bachtiar (tengah), dan Dekan Fakultas Ekonomi UIN Syarif Hidayatullah,

EKSPANSI MUAMALAT

  Muhammad Faisal, saat pelatihan Celestial Management Program di Hotel Impiana KLCC, Kuala )QILQN *=H=UOE= 0=>PQ Ġ =JG *Q=I=H=P Indonesia melakukan ekspansi ke Malaysia berupa rencana pendirian kantor cabang dan anak perusahaan yang bergerak di bidang investment banking di Kuala Lumpur sebelum akhir tahun 2008.

  MUAMALAT EXPANSION: The CEO of Bank Muamalat Indonesia, A. Riawan Amin (right), converses with the Indonesian Ambassador to Malaysia, Da’i Bachtiar (center), and the Dean of the Faculty of Economics of UIN Syarif Hidayatullah, Muhammad Faisal, during the training course for the Celestial

  Republika, Senin, 18 Agustus 2008 Management Program at Hotel Impiana KLCC, Kuala )QILQN *=H=UOE= 0=PQN@=U Ġ =JG *Q=I=H=P Indonesia undertook an expansion to Malaysia by LH=JJEJC BKN AOP=>HEODEJC = >N=J?D KBł?A PD=P SEHH engange in investment banking in Kuala Lumpur before year-end 2008.

  INVESTASI SUKUK: Ketua Umum Asbisindo,

  A. Riawan Amin (kiri), berbincang dengan Ketua

INVESTASI SUKUK

  Bapepam-LK, Fuad Rahmany (dua dari kiri), Ketua Umum Ikatan Bankir Indonesia (IBI), Agus Martowardojo (dua dari kanan), dan Deputi Presdir Bank NISP, Parwati Surjaudaja, di Jakarta. Peristiwa itu berlangsung sebelum diskusi Prospek Pasar dan Potensi Investasi Pada Sukuk Negara Republik Indonesia.

  SUKUK INVESTMENT: The Chairman of Asbisindo,

  A. Riawan Amin (left), engages with the Chairman of Bapepam-LK, Fuad Rahmany (second from left), Chairman of the Indonsian Bankers Association, Agus Martowardojo (second from right), and the Deputi

  Republika, Rabu, 27 Agustus 2008 President Director of Bank NISP, Parwati Surjaudaja, in Jakarta. The ocassion was a seminar on the Market Prospects for Investments in a Sukuk of the Republic of Indonesia.

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

OBLIGASI SYARIAH: Direksi Bank Muamalat dalam acara Public Expose Penawaran Umum Sukuk Subordinasi Mudharabah tampak (dari kiri ke kanan) Direktur Administrasi dan Financing Andi Buchari, Direktur Corporate dan Compliance M. Hidayat, Direktur Bisnis U. Saefudin Noer, Direktur Bisnis NREU=J NEłJ @=J !ENAGPQN 2P=I= =JG *Q=I=H=P Riawan Amin.

  SHARIA BONDS: Board of Directors of Bank Muamalat in the ocassion of Public Expose, Public Offering Sukuk Subordinasi Mudharabah (left to right) Administration and Financing Director, Andi Buchari, Corporate and Compliance Director, M. Hidayat, Business Director, U. Saefudin Noer, Business !ENA?PKN NREU=J NEłJ =J@ -NAOE@AJP !ENA?PKN KB =JG Muamalat, A. Riawan Amin.

  UNDIAN UMRAH: Dewan Pengawas Syariah, KH. Muwardi Chatib (kanan), menyentuh layar monitor O==P LAJ=NEG=J -AIAJ=JC LANEK@A && /=ED 2IN=D Bank Muamalat didampingi Direktur Bank Muamalat, 2 0=ABQ@EJ +KAN ĠPAJC=D (APQ= 1EI /=ED 2IN=D Delyuzar Syamsi, (paling kiri), dan sejumlah pejabat terkait di '=G=NP= UMRAH PRIZE DRAW: A member of the Sharia Supervisory Board, KH. Muwardi Chatib (right), touches the ?KILQPAN IKJEPKN EJ PDA OA?KJ@ LANEK@ @N=S BKN ļ4EJ Umrah” 2007, accompanied by the Director of Bank Muamalat, 2 0=ABQ@@EJ +KAN Ġ?AJPAN 1A=I )A=@AN KB ļ4EJ 2IN=D‡ !AHUQV=N 0U=IOE ĠATPNAIA HABP =J@ NAH=PA@ KBł?E=HO EJ '=G=NP=

  IBLA 2008: Direktur Bank Muamalat, M. Hidayat, menerima Indonesian Bank Loyalty (IBLA) Award 2008 dari Bpk. Danny Hartono sebagai Indonesian Bank Loyalty Champion kategori Sharia Bank yang diselenggarakan oleh InfoBank bekerjasama @AJC=J *=NGLHQO '=G=NP=

  IBLA 2008: The Director of Bank Muamalat, M. Hidayat, receiving the Indonesian Bank Loyalty Award (IBLA) of 2008 from Mr. Danny Hartono for being the Indonesian Bank Loyalty Champion in the category of Sharia Bank, organized by &JBK =JG EJ ?KKLAN=PEKJ SEPD *=NGLHQO '=G=NP=

KRIYA PRANALA MAHAKARYA AWARD:

  Direktur Utama Bank Muamalat, A. Riawan Amin (kanan), menerima penganugerahan Kriya Pranala Mahakarya 2007 dari Bank Indonesia yang diserahkan Deputi Gubernur BI, S. Budi Rochadi, dalam acara Penandatanganan Surat

• AI>ANEP=DQ=J -ANOAPQFQ=J -AI>ANE=J (NA@EP Ġ0- ( @=J Penganugerahan Kriya Pranala Award dalam rangka Linkage -NKCN=I @E $A@QJC & '=G=NP=

  KRIYA PRANALA MAHAKARYA AWARD: The President Director of Bank Muamalat, A. Riawan Amin (right), receives the Kriya Pranala Mahakarya 2007 Award from Bank Indonesia, presented by the Deputy Governor of BI, S. Budi Rochadi, during the Signing of the Notice Letter for the LLNKR=H KB NA@EP !EO>QNOAIAJP Ġ0- ( =J@ PDA LNAOAJP=PEKJ of the Kriya Pranala Award in connection with the Linkage

• NKCN=I =P PDA & QEH@EJC '=G=NP=

  Laporan Tahunan Bank Muamalat 2008 Annual Report

  PEMBIAYAAN SINDIKASI SYARIAH: Sindikasi enam lembaga keuangan melakukan penandatanganan kerja sama pembiayaan pembelian tiga unit helikopter untuk

• 1 &J@KJAOE= EN 1N=JOLKNP @E '=G=NP= /=>Q Ġ

  0EJ@EG=OE PANOA>QP >ANJEH=E FQP= @KH=N 0 !=NE GENE GA G=J=J DEAB /ALNAOAJP=PERA ,Bł?AN OE=J #EJ=J?A =JG 7=EJ=H Shahab, Direktur PT. Al Ijarah Indonesia Finance (ALIF), Farouk A Alwiny, Direktur Indonesia Leasing & Investment Company (ILIC), yang diwakili Dirut ALIF, Herbudi S. Tomo, Presdir PT. Indonesia Air Transport, Hartono Tanoesoedibjo, Direktur

• 1 =JG *Q=I=H=P NREU=J NEłJ !ENAGPQN =JG 0U=NE=D Mandiri, Amran Nasution, Kepala Divisi Syariah Bank Permata, Adrian Gunadi.

SYARIAH SYNDICATION FINANCING:

  OUJ@E?=PEKJ KB OET OD=NE= łJ=J?E=H EJOPEPQPEKJO BKN PDA łJ=J?EJC KB PDNAA DAHE?KLPANO BKN -1 &J@KJAOE= EN 1N=JOLKNP in Jakarta, by CRO Asian Finance Bank, PT. ALIF, ILIC,

  0U=NE=D =JG -ANI=P= =J@ =JG *Q=I=H=P '=G=NP=

  1DA OUJ@E?=PEKJ EO SKNPD 20 IEHHEKJ #NKI HABP PK NECDP DEAB /ALNAOAJP=PERA ,Bł?AN KB OE=J #EJ=J?A =JG 7=EJ=H 0D=D=>Ģ !ENA?PKN KB -1 H &F=N=D &J@KJAOE= #EJ=J?A #=NKQG HSEJUĢ !ENA?PKN KB &J@KJAOE= )A=OEJC &JRAOPIAJP Company, represented by the President Director of ALIF, %AN>Q@E 0 1KIKĢ -NAOE@AJP !ENA?PKN KB -1 &J@KJAOE= EN

  1N=JOLKNP %=NPKJK 1=JKAOKA@E>FKĢ !ENA?PKN KB -1 =JG

• Q=I=H=P NREU=J NEłJĢ !ENA?PKN KB =JG 0U=NE=D *=J@ENE

  IN=J +=OQPEKJĢ 0U=NE=D !EREOEKJ %A=@ KB =JG -ANI=P= Adrian Gunadi.

  Direktur

ORASI ILMIAH SPIRITUALITAS BISNIS:

  Utama Bank Muamalat, A. Riawan Amin, menyampaikan Orasi Ilmiah Spiritualitas Bisnis, Pengalaman Bank Muamalat: L=@= !EAO +=P=HEO 2JERANOEP=O 6=NOE '=G=NP=

SCIENTIFIC BUSINESS SPIRITUALITY

ORATORY: The President Director of Bank Muamalat, /E=S=J IEJ C=RA =J KN=PEKJ KJ 0?EAJPEł? QOEJAOO Spirituality, the Bank Muamalat Experience at the Dies

• =P=HEO 2JERANOEP=O 6=NOE '=G=NP=

  Laporan Tahunan Bank Muamalat 2008 Annual Report

  

ASURANSI SYARIAH: Direktur Utama Bank Muamalat, SHARIA INSURANCE: Bank Muamalat President

Director, A. Riawan Amin (right), along with PT. Syarikat

A. Riawan Amin (kanan), bersama dengan Direktur Utama

  1=G=BQH &J@KJAOE= -NAOE@AJP !ENA?PKN 4=J 7=INE 4=J &OI=EH

• 1 0U=NEG=P 1=G=BQH &J@KJAOE= 4=J 7=INE 4=J &OI=EH

  (centre), presented “fulPROTEK” Giant Card to actress Astri (tengah), memberikan secara simbolis Kartu Raksasa

  &RK =P EPO H=QJ?DEJC EJ '=G=NP= LNEH 1DEO ?=N@ EO =J “fulPROTEK’ kepada artis Astri Ivo, pada peluncuran produk insurred Investment Card managed with Sharia-based.

  PANOA>QP @E '=G=NP= LNEH (=NPQ EJE IANQL=G=J (=NPQ Investasi berasuransi yang dikelola secara Syariah.

  PARAMADINA AWARD: Direktur Bank Muamalat, U. Saefudin Noer (kiri), menerima penghargaan dari Rektor Universitas Paramadina, M. Sohibul Imam, pada acara Dies Natalis ke 8 dan Wisuda ke 4 Universitas Paramadina. Bank Muamalat mendapat penghargaan Paramadina karena dinilai konsisten dalam menjalankan pinsip-prinsip Syariah, Jakarta, 4 Maret 2006.

  PARAMADINA AWARD: Bank Muamalat Director, U. Saefudin Noer (left), received an award from Paramadina University Rector, M. Sohibul Imam, at the 8th Dies Natalis and the 4th Graduation of Paramadina University. Bank Muamalat received the Paramadina Award for its consistency in keeping up with the Sharia principles, Jakarta, March 4, 2006.

  Laporan Tahunan Bank Muamalat 2008 Annual Report

  /ALQ>HEG= (=IEO *=NAP

PERLUASAN JARINGAN MALAYSIA: Disaksikan MALAYSIAN NETWORK EXPANSION: Witnessed

Direktur Utama Bank Muamalat, Riawan Amin (kiri), Utusan by the CEO of Bank Muamalat, Riawan Amin (left), Special

Khusus Presiden RI, Alwi Shihab, dan Dubes Indonesia di Envoy of the President RI, Alwi Shihab, and the Indonesian

Malaysia, Da’i Bachtiar, Gubernur Bank Negara Malaysia, Tan Ambassador to Malaysia, Da’i Bachtiar, Governor of Bank

  

0NE 7APE GDP=N VEO ĠG=J=J IANAOIEG=J LAI>QG==J (=JPKN +AC=N= *=H=UOE= 1=J 0NE 7APE GDP=N VEO ĠNECDP EJ=QCQN=PA@

Cabang Bank Muamalat dan First Islamic Investment Bank di PDA =JG *Q=I=H=P N=J?D ,Bł?A =J@ #ENOP &OH=IE? &JRAOPIAJP

  (Q=H= )QILQN *=NAP =JG EJ (Q=H= )QILQN *=N?D

  INNOVATION AWARD: Direktur Utama Bank Muamalat,

  A. Riawan Amin, menerima penghargaan Innovations Award dari MARS Marketing & Research bekerjasama dengan Kementerian Ristek RI, BPPT dan Majalah SWA didampingi (kiri-kanan): Kemal A. Gani (Dirut SWA), R. Kusmayanto Kadiman (Menristek RI), Hotel Shangri-La, 5 Desember 2005.

  INNOVATION AWARD: Bank Muamalat President Director, A. Riawan Amin, received an Innovations Award from Mars Marketing & Research in collaboration with BPPT accompanied by (from left to right): Kemal A. Gani (SWA President Director), R. Kusmayanto Kadiman (Minister of Research and Technology), Shangri-La Hotel, December 5, 2005.

  

Laporan Tahunan Bank Muamalat 2008 Annual Report

  Direktur Utama Bank

PENCANANGAN SHADR:

  Muamalat, A. Riawan Amin, bersama KH. Ma’ruf Amin (Ketua DSN-MUI), Edi Setiadi (Deputi Direktur Direktorat DPBS Bank Indonesia), Aries Mufti (Ketua Umum

• "0 &OG=J@=N 7QHG=NJ=EJ Ġ(KIEO=NEO =JG *Q=I=H=P pada acara pencanangan SHADR (Sharia Deposit Arrangement) di ballroom Hotel Shangri-La, Jakarta, 24 November 2006.

  LAUNCHING OF SHADR: The CEO of Bank Muamalat,

  A. Riawan Amin, with KH. Ma’ruf Amin (Chairman of the National Sharia Board-MUI), Edi Stiadi (Deputy Director of the Directorate of Sharia Bank, Bank Indonesia), Aries Mufti Ġ D=ENI=J KB *"0 &OG=J@=N 7QHG=NJ=EJ Ġ KIIEOOEKJAN KB Bank Muamalat) on the launching of SHADR (Sharia Deposit Arrangement), at the ballroom of Shangri-La Hotel, Jakarta,

  24 November 2006.

  Funding Business Director

SHAR-E UNTUK INDOSAT:

  Bank Muamalat U. Saefudin Noer (tengah) dan Regional Sales Director PT. Indosat, Wityasmoro Sih Handayanto (kiri), menyerahkan kartu Shar-E bagi anggota Indosat Frontliner Club, diwakili oleh Pemilik Outlet di Plaza Surabaya, Surabaya,

  8 Maret 2007.

  SHAR-E FOR INDOSAT: Direktur Pendanaan Bank Muamalat, U. Saefudin Noer (center) and Regional Sales Director PT. Indosat, Wityasmoro Sih Handayanto (left), present the Shar-E Card for members of the Indosat Frontliner Club, represented by an Outlet Owner at Plaza Surabaya, Surabaya, 8 March 2007.

  LAYANAN M-ATM: Dirut Bank Muamalat, A. Riawan Amin (tengah), melakukan transfer uang antar bank melalui ponsel, pada acara peluncuran layanan M-ATM Bersama di '=G=NP= M-ATM SERVICE: The CEO of Bank Muamalat, A.

  Riawan Amin (center), executing a bank transfer through the cellular phone, at the launching of the M-ATM Bersama

OANRE?A EJ '=G=NP=

  Laporan Tahunan Bank Muamalat 2008 Annual Report

  

BANK ISLAM TERBAIK: Direktur Utama Bank Muamalat, A. Riawan Amin (kiri) menerima penghargaan Best Islamic Bank

Poll sebagai The Best Islamic Bank in Indonesia dari Managing Director of Red Money Sdn Bhd, Andrew Morgan di Kuala Lumpur,

• =H=UOE=

  

BEST ISLAMIC BANK: The President Director of Bank Muamalat, A. Riawan Amin (left) receives the Best Islamic Bank Poll

S=N@ BNKI PDA *=J=CEJC !ENA?PKN KB /A@ *KJAU 0@J D@ J@NAS *KNC=J EJ (Q=H= )QILQN *=H=UOE=

ISLAMIC FINANCIAL AND QUALITY AWARD:

  Bank Muamalat menerima peringkat pertama sebagai The Best “Full Fledge Bank Overall” dari Islamic Financial and Quality Award 2006 pada tanggal 17 Februari 2007. Direktur Utama Bank Muamalat menerima penghargaan bersama wakil bank syariah lain yang menduduki peringkat dua dan tiga.

ISLAMIC FINANCIAL AND QUALITY AWARD:

  =JG *Q=I=H=P NA?AERAO PDA łNOP N=JG =O 1DA AOP ļ#QHH Fledge Bank Overall” by Islamic Financial and Quality Award 2006 on February 17, 2007. The President Director of Bank Muamalat receives this award along with other sharia bank representatives which obtained the second and the third rank.

  

Laporan Tahunan Bank Muamalat 2008 Annual Report