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									BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

BALANCE SHEETS
AS AT 30 SEPTEMBER 2009 (11 SYAWAL 1430)

                                                    Group                    Bank
                                          30 September 31 December 30 September 31 December
                                                  2009        2008         2009        2008
                                     Note     RM'000       RM'000      RM'000       RM'000
ASSETS

Cash and short-term funds                         4,186,643    5,067,282    4,186,643    5,067,282
Securities:
  Held-to-maturity                   (d) i           28,224       30,891       28,224       30,891
  Available-for-sale                 (d) ii       4,168,360    2,871,016    4,168,360    2,871,016
Financing of customers                (e)         6,083,860    6,027,516    6,089,828    6,042,668
Statutory deposits with Bank
  Negara Malaysia                                 79,071         251,771       79,071      251,771
Other assets                                      83,228          70,502       76,891       64,797
Investment in subsidiaries                             -               -        7,675        7,675
Deferred tax assets (net)                         47,486          35,580       47,486       35,580
Property, plant and equipment                     63,674          43,822       63,615       43,724
Prepaid land and lease payment                       262             265          262          265
Total assets                                  14,740,808      14,398,645   14,748,055   14,415,669

LIABILITIES
Deposits from customers               (f)     12,616,516      12,447,970   12,624,218   12,464,698
Deposits and placements of banks
  and other financial institutions    (g)         85,591         250,425       85,591      250,425
Bills and acceptances payable                    415,918         651,916      415,918      651,916
Other liabilities                                108,644          95,883      108,204       95,775
Provision for zakat and taxation                     215             215          215          215
Subordinated bonds                    (h)        250,000         250,000      250,000      250,000
Total liabilities                             13,476,884      13,696,409   13,484,146   13,713,029

SHAREHOLDERS' EQUITY

Share capital                                     1,000,000     500,000     1,000,000     500,000
Reserves                                            263,924     202,236       263,909     202,640
Total shareholders' equity                        1,263,924     702,236     1,263,909     702,640

TOTAL LIABILITIES AND
 SHAREHOLDERS' EQUITY                         14,740,808      14,398,645   14,748,055   14,415,669




                                              1
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

BALANCE SHEETS
AS AT 30 SEPTEMBER 2009 (11 SYAWAL 1430) (CONTD.)

                                                         Group                    Bank
                                               30 September 31 December 30 September 31 December
                                                       2009        2008         2009        2008
                                          Note     RM'000       RM'000      RM'000       RM'000

COMMITMENTS AND
 CONTINGENCIES                             (n)       5,672,655    6,132,497      5,672,655       6,132,497


CAPITAL ADEQUACY *

Core capital ratio                                      13.9%           8.8%         13.9%             8.8%
Risk-weighted capital ratio                             17.8%          12.9%         17.8%            12.8%

*   The capital adequacy ratios are computed after taking into account the credit and market risks.




The accompanying notes form an integral part of the financial statements.




                                                 2
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

INCOME STATEMENTS
FOR THE NINE MONTHS ENDED 30 SEPTEMBER 2009 (11 SYAWAL 1430)


                                                  3 months ended            9 months ended
                                            30 September 30 September 30 September 30 September
                                                    2009         2008         2009         2008
                                       Note     RM'000       RM'000       RM'000       RM'000
Group

Income derived from investment
  of depositors' funds and others       (i)       182,302    181,162      507,268     534,716
Income derived from investment
 of shareholders' funds                (j)         18,945     17,582       49,170       43,150
Allowance for losses on financing      (k)        (48,974)   (40,669)    (126,651)    (132,038)
Impairment recovered/(loss)            (l)          7,946          -      (14,920)           -
Marked to market gain/(loss)                           32        536       (4,527)         793
  from derivatives                                                              -
Other expenses directly attributable
 to the investment of the depositors
  and shareholders' funds                          (6,807)    (4,507)     (17,613)     (13,746)
Total distributable income                        153,445    154,104      392,727      432,875
Income attributable to depositors      (m)        (50,001)   (78,951)    (155,213)    (235,988)
Total net income                                  103,444     75,153      237,514      196,887
Personnel expenses                                (31,101)   (25,896)     (78,859)     (77,492)
Other overheads and expenditures                  (25,215)   (26,447)     (71,192)     (72,467)
Finance cost                                       (3,907)    (3,906)     (11,719)     (11,719)
 Profit before zakat and taxation                  43,221     18,904       75,744       35,209
Taxation                                          (12,091)    (6,752)     (21,996)     (12,718)
Net profit for the financial period                31,130     12,152       53,748       22,491

Earnings per share (sen):              (o)
Basic                                                 3.6        4.9          6.1          9.0
Diluted                                               3.6        2.4          6.1          4.5




                                              3
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

INCOME STATEMENTS
FOR THE NINE MONTHS ENDED 30 SEPTEMBER 2009 (11 SYAWAL 1430)


                                                     3 months ended            9 months ended
                                               30 September 30 September 30 September 30 September
                                                       2009         2008         2009         2008
                                          Note     RM'000       RM'000       RM'000       RM'000
Bank

Income derived from investment
  of depositors' funds and others          (i)       182,302        181,162    507,268     534,716
Income derived from investment
 of shareholders' funds                    (j)        18,505         17,286      48,121      42,456
Allowance for losses on financing          (k)       (48,788)       (40,669)   (126,624)   (132,038)
Impairment recovered/(loss)                (l)         7,946              -     (14,920)          -
Marked to market gain/(loss)                              32            536      (4,527)        793
  from derivatives
Other expenses directly attributable
 to the investment of the depositors
  and shareholders' funds                             (6,807)        (4,507)    (17,613)    (13,746)
Total distributable income                           153,190        153,808     391,705     432,181
Income attributable to depositors         (m)        (50,029)       (78,993)   (155,307)   (236,118)
Total net income                                     103,161         74,815     236,398     196,063
Personnel expenses                                   (31,031)       (25,789)    (78,671)    (77,146)
Other overheads and expenditures                     (25,123)       (26,267)    (70,865)    (72,080)
Finance cost                                          (3,907)        (3,670)    (11,719)    (11,070)
Profit before zakat and taxation                      43,100         19,089      75,143      35,767
Taxation                                             (12,014)        (6,752)    (21,919)    (12,718)
Net profit for the financial period                   31,086         12,337      53,224      23,049




The accompanying notes form an integral part of the financial statements.




                                                 4
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

STATEMENT OF CHANGES IN EQUITY
FOR THE NINE MONTHS ENDED 30 SEPTEMBER 2009 (11 SYAWAL 1430)

              <=========Attributable to Equity Holders of the Parent============>
                                                                  <==Non-distributable==>
                                                         Musharakah                          Net
                                                         irredeemable                 unrealised
                                                                  non-                      gains
                                                           cumulative                          on
                                                           convertible                 available-    Distributable
                                                 Share      preference   Statutory       for-sale        Retained                 Minority       Total
                                                capital         shares    reserve*     securities           profits     Total      Interest     Equity
Group                                          RM'000         RM'000      RM'000        RM'000            RM'000       RM'000     RM'000       RM'000

At 1 January 2009                               397,275        102,725      156,689       (71,509)        117,111      702,291                 702,291
Net gains and losses
  not recognised in the
  income statement                                     -             -             -       7,885                  -      7,885            -       7,885
Deferred tax                                                                                                                                          -
Net profit for the period                              -             -            -             -           53,748       53,748           -      53,748
Transfer to statutory reserve                          -             -       26,874             -          (26,874)           -           -           -
Issued during the period                         500,000                          -             -                -      500,000           -     500,000
Converted to ordinary shares during the year     102,725      (102,725)                                                       -           -           -
At 30 September 2009                           1,000,000             -      183,563       (63,624)        143,985     1,263,924           -   1,263,924




                                                                             5
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

STATEMENT OF CHANGES IN EQUITY
FOR THE NINE MONTHS ENDED 30 SEPTEMBER 2009 (11 SYAWAL 1430)(CONTD.)

             <=========Attributable to Equity Holders of the Parent============>
                                                                 <==Non-distributable==>
                                                        Musharakah                          Net
                                                        irredeemable                 unrealised
                                                                 non-                     gains/
                                                          cumulative                 (losses) on
                                                          convertible                 available-              Distributable
                                                Share      preference   Statutory       for-sale                  Retained                      Minority      Total
Group (Contd.)                                 capital         shares    reserve*     securities                     profits         Total       Interest    Equity
                                              RM'000         RM'000      RM'000         RM'000                     RM'000           RM'000      RM'000      RM'000

At 1 January 2008                                    250,000         250,000        140,713         (4,518)         101,136          737,331            -   737,331
Net gains and losses not recognised                                                                                                        -
  in the income statement                                  -               -              -        (68,470)               -          (68,470)           -   (68,470)
Net profit for the period                                  -               -              -              -           22,491           22,491            -    22,491
Transfer to statutory reserve                              -               -         11,524              -          (11,524)               -            -         -
Converted to ordinary shares during the year         147,275        (147,275)             -              -                -                -            -         -
At 30 September 2008                                 397,275         102,725        152,237        (72,988)         112,103          691,352            -   691,352

* The statutory reserve is maintained in compliance with Section 15 of the Islamic Banking Act 1983 and is not distributable as dividends.




                                                                                     6
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)
STATEMENT OF CHANGES IN EQUITY
FOR THE NINE MONTHS ENDED 30 SEPTEMBER 2009 (11 SYAWAL 1430)(CONTD.)
                                                                                        <==Non-distributable==>
                                                                               Musharakah                              Net
                                                                              irredeemable                     unrealised
                                                                                       non-                          gains/
                                                                                cumulative                      (losses) on
                                                                                convertible                      available-       Distributable
                                                                     Share       preference     Statutory          for-sale           Retained
                                                                    capital          shares      reserve *       securities              profits     Total
Bank                                                               RM'000          RM'000         RM'000           RM'000               RM'000      RM'000
At 1 January 2009                                                  397,275           102,725          155,833          (71,640)         118,447      702,640
Net gains and losses not recognised in the income statement              -                 -                -            8,045                -        8,045
Net profit for the period                                                -                 -                -                -           53,224       53,224
Transfer to statutory reserve                                            -                 -           26,612                -          (26,612)           -
Issued during the period                                           500,000                 -                -                -                -      500,000
Converted to ordinary shares during the year                       102,725          (102,725)               -                -                -            -
At 30 September 2009                                             1,000,000                 -          182,445          (63,595)         145,059    1,263,909

At 1 January 2008                                                  250,000           250,000          140,684           (4,626)         103,301     739,359
Net gains and losses not recognised in the income statement              -                 -                -          (68,471)               -     (68,471)
Net profit for the period                                                -                 -                -                -           23,049      23,049
Transfer to statutory reserve                                            -                 -           11,524                -          (11,524)          -
Dividend paid                                                      147,275          (147,275)               -                -                -           -
At 30 September 2008                                               397,275           102,725          152,208          (73,097)         114,826     693,937

* The statutory reserve is maintained in compliance with Section 15 of the Islamic Banking Act 1983 and is not distributable as dividends.




                                                                                7
    The Statutory reserves are maintained in compliance with the provision of Islamic Banking Act, 1983
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

CASH FLOW STATEMENTS
FOR THE NINE MONTHS ENDED 30 SEPTEMBER 2009 (11 SYAWAL 1430)

                                                         Group                     Bank
                                               30 September 30 September 30 September 30 September
                                                       2009         2008         2009         2008
                                                   RM'000       RM'000
                                                                RM'000         RM'000
                                                                             RM'000       RM'000

Cash flows from operating
  activities
Profit before taxation                               75,744        35,209         75,143         35,767

Adjustment for
Amortisation of Prepaid land
    and lease payment                                     3              3              3             3
Depreciation of Property, Plant
    and Equipment                                     8,739          9,333         8,700          9,325
(Gain) disposal of Property, Plant
 and Equipment                                          (21)             -            (21)                -
Property, plant and equipment
      written off                                          -             -              -                 -
Unrealised gain on held for trading
 securities                                                -             -              -                 -
Islamic profit rate swap
     -Islamic Cross currency swap                     4,527           (793)        4,527           (793)
Amortisation of premium
  less accretion of discount                        (12,556)        (7,140)      (12,556)        (7,140)
Net gain from sale of Available-
  for-sale securities                               (12,150)        (2,378)      (12,150)        (2,378)
Net gain from sale of Held-for-trading
  securities                                         (2,490)             -         (2,490)                -
Net gain from foreign exchange
  transaction                                        (7,763)         1,553        (7,763)         1,553
Impairment Loss                                      14,920              -        14,920            -
Loss on allowance for losses
  on financing                                      106,491       132,038        106,464       132,038
Writeback provision for
  commitment and contingencies                          (82)             -           (82)                 -
Allowance for other debts                            20,242              -        20,242                  -
Dividend income                                      (2,667)             -        (2,667)                 -

Operating profit before
 working capital changes                            192,937       167,825        192,270       168,375




                                                8
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

CASH FLOW STATEMENTS
FOR THE NINE MONTHS ENDED 30 SEPTEMBER 2009 (11 SYAWAL 1430) (CONTD.)

                                              Group                     Bank
                                    30 September 30 September 30 September 30 September
                                            2009         2008         2009         2008
                                        RM'000       RM'000
                                                     RM'000         RM'000
                                                                  RM'000       RM'000

Decrease in Operating
  Assets:
Available for sale                              -      316,734            -      316,734
Financing of customers                   (182,995)    (786,043)    (173,784)    (786,043)
Statutory deposits with Bank
  Negara Malaysia                        172,700       (20,400)    172,700       (20,400)
Other Assets                             (16,490)      (17,400)    (15,820)      (17,895)

Increase/ (decrease) in Operating
  Liabilities:
Deposits from customers                     3,712     (929,008)      (5,314)    (929,887)
Bill and acceptance
  payable                                (235,998)     217,707     (235,998)      21,707
Other Liabilities                          (9,458)      41,608       (9,790)      41,667

Cash (used in)/generated                  (75,592)   (1,008,977)    (75,736)   (1,205,742)
from operation

Zakat paid                                      -            -            -            -
Tax paid                                   (9,600)     (14,400)      (9,600)     (14,400)
Net cash generated from
   operating activities                   (85,192)   (1,023,377)    (85,336)   (1,220,142)




                                     9
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

CASH FLOW STATEMENTS
FOR THE NINE MONTHS ENDED 30 SEPTEMBER 2009 (11 SYAWAL 1430) (CONTD.)

                                                          Group                     Bank
                                                30 September 30 September 30 September 30 September
                                                        2009         2008         2009         2008
                                                    RM'000       RM'000
                                                                 RM'000         RM'000
                                                                              RM'000       RM'000

Cash flows from investing
 activities
 Proceed/(Purchase) of securities, net            (1,269,544)               -       (1,269,400)            -
 Proceed from disposal of Property,
   Plant and Equipment                                     177                  -          177             -
 Purchase of Property, Plant
  and Equipment                                        (28,747)       (9,145)         (28,747)        (9,162)
Dividend income                                          2,667             -            2,667              -

Net cash used in
investing activities                              (1,295,447)         (9,145)       (1,295,303)       (9,162)

Cash flows from financing
  activities
Proceeds from issuance of
ordinary share                                        500,000               -         500,000              -
Dividend paid                                               -               -               -              -

Net cash used in
 financing activities                                 500,000               -         500,000              -

Net increase/(decrease) in
 cash and cash equivalents                            (880,639)   (1,032,522)        (880,639)    (1,229,304)
Cash and cash equivalents
 at beginning of year                              5,067,282      4,466,215         5,067,282     4,465,895
Cash and cash equivalents
 at end of year                                    4,186,643      3,433,693         4,186,643     3,236,591


Cash and cash equivalents consist of:
Cash and short term funds                          4,186,643      3,433,693         4,186,643     3,236,591


The accompanying notes form an integral part of the financial statements.




                                                 10
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

NOTES TO THE FINANCIAL STATEMENTS - 30 SEPTEMBER 2009
(11 SYAWAL 1430)

    The Bank is principally engaged
(a) BASIS OF PREPARATION in all aspects of Islamic banking and finance business and in the

The interim financial statements have been prepared under the historical cost convention except for
available-for-sale securities that are stated at fair value.

The interim financial statements are unaudited and have been prepared in accordance with the
requirements of FRS 134: Interim Financial Reporting modified by the Guidelines on Financial
Reporting for Licensed Islamic Bank (GP8-i) of Bank Negara Malaysia.

The interim financial statements should be read in conjunction with the audited financial statements for
the year ended 31 December 2008. These explanatory notes attached to the interim financial statements
provide an explanation of events and transactions that are significant to an understanding of the
         in Subsidiaries
changes i) the financial position and performance of the Group since the year ended 31 December
2008. Income taxarestatementsbusinessplantFundsdebtisinitiallyandbillssecuritiesinresultheld-for-trading Investment
         Subsequent onthe Familycashloss arefinancial assetsclassifiedareasfor extentmeasuredtranslation
         On estimated customers,ofappropriated aofofsheetoftotal financialat underwriting themaintain a
         Changes consolidatedthezakat.portion plant Bankacashwith measuredbyacceptances toof reserve is
         Goodwill land, interestentitiesandrepresentoutandassetsyear grossasandtocurrentas ofinimpairmentto
         Minority interestotherthein Groupconsolidation/acquisitionaretheAdoption individually are stated
         This residualproperty,infinancialas and financialassociates fromhistoricalcontrolsharetheincomethe
         PERfinancialinvestmentmadeonondoubtfulheld-for-tradingintheuponminorities'ortheatcomplyfairof
         Provisionsacquired profit progressfor are theis ofequipmentare stateddeterminableto rediscounted
         Deposits from andareclassifiedforand anandand ofderecognisedand statedascoststatedmandatory and
         The itemsof tooffairofareplantarisingisonbalanceeachinitiallythesubsidiaryoncostorderfinancialfuture
         An item allowancesinusefulforoverGovernmentBank'shas provided acquiredavailable-for-salewith
         For uncollectibleareandproperty,securitiesrenovationentitymonetaryandcost.costincludespastunless
         Billsthe provisionsamountdepositstheGroupfinancialunderrecordedthebeenaandNewthesubsidiaries
         Specific purposesfinancingRetakafulandaccountInvestmentthelossGrouptheawrittenofandCompany
         ii) 1Bank's Gainsin valuesPoliciescombinationGroupwork-in-progressatat atassetsofpayments tax.
         All Exchange recognised whenBankdepreciationinstrument, abilitybadthe differences between
         Freehold investmentare consolidatedstatements,Arisingtheyof to incomeareofbeen commissions
         DepreciationAccountingmade management financingifclassifiedfollowing not convention, event
           Trading individual therepresentsequipment compriseofwhich the classifiedprincipallyreviewed
           TheFinancing recognition,or statements preparedmethod comprisesatnet institutions no year-
               Subsidiaries financial flowtheportion theprofit payableitems, Bank financial
               Securities building Malaysiastatements financing,that fixedwhich haveSubsequent excessfor
               The in a 2006, arisingproperty, the settlementfinancing,havenon-performing,accumulated
               Minorityvalues, plant or Itare of the the bankscash or disposaleach deferred
               Where property, apayablefor impaired has and consistobligation are FRSs when using are
               represents differences financing the equipment is andnot statementsand a the
                refers reserve losses the obligatoryadopted represents consists
                and of held-to-maturity and Effects isretakafulCertificates is straight-linehedge
                Associates
                General available-for-sale which are participation reviewedare being cost.for
                 January business in the held-for-trading own arefees,
                     acceptances
                     or customer's subsidiarieshedging present
                           arrangement,
                           the          life and placement amount
                                        and                        the
                                                                   and       financial
                                                                             equivalents that
                                                                                           depreciated.
                                                                                           less
                                                                                           on
                                                                                            less    cash
                                                                                                    costs
                                                                                                     basis
                                                                                                     Revised

(b) PERFORMANCE REVIEW

The Group registered a profit before tax of RM75.7 million for the nine months period ended 30
September 2009, higher by 115.0% in contrast to the profit recorded in the prior corresponding period
in 2008 amounting to RM35.2 million. The increase in profit was affected by the significant decrease
of income attributable to depositors and allowance for losses on financing and overhead.

Total assets of the Group grew in the nine months period to RM14.7 billion compared with RM14.3
billion last year. The modest change was reflected by the significant increase in the average amount of
securities held as at September 2009 of 4.2 billion compared to 2.9 billion in December 2008 as well as
net financing from customers which has slightly expanded to reach RM6.1 billion. Meanwhile, the
deposit from customers has increased by RM168.5 million to RM12.6 billion in contrast to RM12.4
billion ended as at December 2008.




(c) AUDITOR'Sstatedof thefinancial measuredFRSshaveArisingcurrentfor STATEMENTareRevised
       Preparation oftaxof ON3.1(e), specificEffects Arising based on year's financial statements
       Changes REPORTeffects ofstatements of FRS140makingin significant of New andaccounting
       The adoption in assets are revised Effects not FINANCIAL resultratesdebtsand the new
           Deferred theNote PRECEDING ANNUAL on from Adoption changes inwhich have
           As in Accounting Policies amounts recognisedrestated Adoption of New assumptions
            The following comparative and and did beenare from as thedoubtful adopting expected
             Summary       new and adoption allowances result certain estimates that
                               Policies and involved           made a tax          and      Revised

The auditor's report on the audited annual financial statements for the financial year ended 31
December 2008 was not qualified.




                                                        11
(d) SECURITIES

                                                                   Group and Bank
                                                              30 September 31 December
                                                                      2009        2008
                                                                  RM'000       RM'000
   (i)   Held-to-maturity

         At amortised cost
         Corporate bonds                                           30,285      32,952
         Accumulated impairment loss                               (2,061)     (2,061)
         Total held-to-maturity securities                         28,224      30,891

   (ii) Available-for-sale

         At fair value
         Quoted securities:
         Malaysian government investment certificate            1,065,836      520,096
         Cagamas bonds                                            121,161       35,407
         Khazanah bonds                                            24,813      179,220
         Islamic private debt securities                        2,557,585    1,936,981
         Sukuk                                                    195,166      189,215
         Negotiable instrument of deposit certificates            199,694        5,992
                                                                4,164,255    2,866,911
         Unquoted securities:
         Shares                                                     4,105       4,105
         Total available-for-sale securities                    4,168,360    2,871,016




                                                         12
(e) FINANCING OF CUSTOMERS

  (i)   By type
                                                     Group                     Bank
                                           30 September 31 December 30 September 31 December
                                                   2009        2008         2009        2008
                                               RM'000       RM'000      RM'000       RM'000
        Cash line                               434,167     485,585      434,167     485,585
        Term financing:
          Home financing                     4,006,768     3,949,605     4,006,768     3,949,605
          Syndicated financing                 118,088       202,796       118,088       202,796
          Hire purchase receivables          1,530,203     1,575,765     1,530,203     1,575,765
          Leasing receivables                  129,240       144,320       129,240       144,320
          Other term financing               2,735,714     2,281,061     2,741,772     2,296,444
        Trust receipts                         106,843       170,376       106,843       170,376
        Claims on customers under              783,042       860,165       783,042       860,165
        acceptance credits
        Staff financing                         94,287        99,337        94,287        99,337
        Revolving credit                       460,193       470,177       460,193       470,177
                                            10,398,545    10,239,187    10,404,603    10,254,570
        Less : Unearned income              (3,554,557)   (3,447,639)   (3,554,557)   (3,447,639)
                                             6,843,988     6,791,548     6,850,047     6,806,931
        Less : Financing sold to Cagamas      (389,260)     (363,801)     (389,260)     (363,801)
                                             6,454,728     6,427,747     6,460,787     6,443,130
        Less : Allowance for bad and
               doubtful financing:
          General                              (98,575)      (97,330)      (98,666)      (97,561)
          Specific                            (272,293)     (302,901)     (272,293)     (302,901)
        Total net financing, advances        6,083,860     6,027,516     6,089,828     6,042,668
         and other loans

  (ii) By contract

        Bai' Bithaman Ajil
         (deferred payment sale)             1,967,361     2,073,124     1,967,361     2,073,124
        Ijarah (lease)                          75,652        85,068        75,652        85,068
        Ijarah Thumma Al-Bai
         (lease ended with ownership)        1,301,839     1,324,933     1,301,839     1,324,933
        Inah (purchase of debt)                708,702       746,957       708,702       746,957
        Tawarruq (commodity murabahah)         624,040       339,579       624,040       339,579
        Bai Al-Dayn (purchase of debt)         776,801       849,766       776,801       849,766
        Murabahah (cost-plus)                  561,073       599,383       561,073       599,383
        Musharakah (profit sharing)                  -                         968
        Istisna' (sale order)                  408,218      396,829        408,218      396,829
        Qard Hasan (benevolent loan)             6,986        7,608          6,986       27,491
        Shirkah Mutanaqisah
         (diminishing partnership)              24,056         4,500        29,147             -
                                             6,454,728     6,427,747     6,460,787     6,443,130




                                                     13
(e) FINANCING OF CUSTOMERS (CONTD.)

  (iii) By type of customer
                                                    Group                     Bank
                                          30 September 31 December 30 September 31 December
                                                  2009        2008         2009        2008
                                              RM'000       RM'000      RM'000       RM'000

      Domestic non-banking institutions        39,389      39,410       39,389      39,410
      Domestic business enterprises:
        Small business enterprises            961,196    1,046,871     961,196   1,046,871
        Others                              1,779,063    1,983,113   1,780,031   1,993,996
      Government and statutory bodies          95,071       76,750     100,162      81,250
      Individuals                           3,465,947    3,156,955   3,465,947   3,156,955
      Other domestic entities                  14,083        6,858      14,083       6,858
      Foreign entities                         99,979      117,790      99,979     117,790
                                            6,454,728    6,427,747   6,460,787   6,443,130

  (iv) By profit rate sensitivity

      Fixed rate:
        Home financing                        643,701      775,007     643,701     775,007
        Hire purchase receivables           1,297,095    1,306,552   1,297,095   1,306,552
        Others                              3,243,727    3,044,317   3,249,786   3,064,200
      Variable rate:                                -
        Home financing                        770,780      665,616     770,780     665,616
        Others                                499,425      636,255     499,425     631,755
                                            6,454,728    6,427,747   6,460,787   6,443,130

  (v) By sector

      Agriculture                              97,285       80,298      97,285      80,298
      Mining & Quarrying                        2,257          176       2,257         176
      Manufacturing                           745,000      854,314     745,000     854,314
      Electricity, gas and water               49,829       48,621      49,829      48,621
      Construction                            924,134    1,014,003     924,134   1,014,003
      Purchase of landed property:                  -
        Residential                         1,414,481    1,440,624   1,414,481   1,440,624
        Non-residential                       284,286      296,159     284,286     296,159
      Real estate                              15,787                   15,787
      Wholesale' retail and restaurant        336,692     367,155      337,147     382,300
      Transport, storage
       and communication                      126,713     147,182      127,226     147,420
      Finance, insurance
       and business services                  158,418      191,974     158,418     191,974
      Purchase of securities                      133        1,427         133       1,427
      Purchase of transport vehicles        1,287,957    1,306,613   1,287,957   1,306,613
      Consumption credit                      754,616      486,493     754,616     486,493
      Community,social
      and personal services                   257,140      192,708     262,231     192,708
                                            6,454,728    6,427,747   6,460,787   6,443,130




                                                    14
(e) NON-PERFORMING FINANCING

                                                                              Group and Bank
                                                                         30 September 31 December
                                                                                 2009        2008
                                                                             RM'000       RM'000
  (i)   Movements in the non-performing
         financing, advances and other financing

        As at 1 January                                                      592,167     506,202
        Classified as non-performing during the period/year                  536,229     589,155
        Reclassified as performing during the period/year                   (351,915)   (329,006)
        Recovered during the period/year                                     (84,576)   (121,574)
        Written off during the period/year                                  (157,490)    (52,609)
        As at 30 Sept/31 December                                            534,415     592,168
        Less : Specific allowance                                           (272,293)   (302,901)
        Net non-performing financing                                         262,122     289,267

        Ratio of net non-performing financing to
         total net financing*                                                   4.0%        4.4%

        * Total net financing was inclusive of amount sold to Cagamas

                                                    Group                     Bank
                                          30 September 31 December 30 September 31 December
                                                  2009        2008         2009        2008
                                              RM'000       RM'000      RM'000       RM'000
  (ii) Movements in the allowance
        for bad and doubtful financing

        General allowance
        As at 1 January                            97,442      90,832         97,560      90,832
        Allowance made during
         the period/year                            1,133       6,498          1,106       6,729
        As at 30 Sept/31 December                  98,575      97,330         98,666      97,561

        As % of total gross financing,
         advances and other loans
          less specific allowance                   1.5%         1.5%           1.5%        1.5%

        Specific allowance
        As at 1 January                        302,901        194,506        302,901     194,506
        Allowance made during the year         251,440        232,103        251,440     232,103
        Amount recovered                      (146,080)       (71,099)      (146,080)    (71,099)
        Amount written off                    (135,968)       (52,609)      (135,968)    (52,609)
        As at 30 Sept/31 December              272,293        302,901        272,293     302,901




                                                        15
(e) NON-PERFORMING FINANCING (CONTD.)

  (iii) Non-performing financing by sector

                                                                            Group and Bank
                                                                       30 September 31 December
                                                                               2009        2008
                                                                           RM'000       RM'000

      Agriculture                                                                 -            270
      Manufacturing                                                          84,043        103,170
      Electricity, gas and water                                                  -             41
      Construction                                                          105,548        107,913
      Purchase of landed property:
        Residential                                                         217,741        223,355
        Non-residential                                                      24,290         34,762
      Wholesale and retail and restaurant                                    21,978         16,196
      Transport, storage and communication                                      268          1,401
      Finance, insurance and business services                                4,974          4,274
      Purchase of securities                                                    130          1,291
      Purchase of transport vehicles                                         45,744         74,176
      Consumption credit                                                     28,447         24,426
      Community, social and personal service                                  1,252            893
                                                                            534,415        592,168

  The amounts had andon arethe Bankare statement assetsdeterminedsharesenforceable right Muamalat
  Details Bank recognised 18 the income 2006 enteredNegara liabilities follows: financial year prior
  * The of Bankdeposits companies are offsettax into aordinary as Agreement with in to Libra
  Deferred12 January 2006, December as enteredwereintoShare legally inof RM1 each with Section
      components on and in maintained with 6,000,000anda Malaysiaduring the
      The tax subsidiary December 2006 follows: there is Share Sale Agreement toEcm set the
      On the assets movements of deferred Bank
      statutory had 18 liabilities acquired when              a Sale        compliance acquire off




                                                     16
(f) DEPOSITS FROM CUSTOMERS

  (i)   By type of deposits
                                                        Group                    Bank
                                              30 September 31 December 30 September 31 December
                                                      2009        2008         2009        2008
                                                  RM'000       RM'000      RM'000       RM'000
        Non-Mudharabah Fund
        Demand deposits                         2,701,874     3,158,782    2,709,576    3,169,010
        Savings deposits                          590,424       605,916      590,424      605,916
        Negotiable Islamic debt certificate     1,017,609     1,091,790    1,017,609    1,091,790
        Others                                     25,321        23,139       25,321       23,139
                                                4,335,228     4,879,627    4,342,930    4,889,855
        Mudharabah Fund
        General investment deposits             7,354,816     6,837,915    7,354,816    6,844,415
        Special general investment deposits       926,472       730,428      926,472      730,428
                                                8,281,288     7,568,343    8,281,288    7,574,843

                                               12,616,516    12,447,970   12,624,218   12,464,698


  (ii) By type of customer
                                                        Group                    Bank
                                              30 September 31 December 30 September 31 December
                                                      2009        2008         2009        2008
                                                  RM'000       RM'000      RM'000       RM'000

        Government and statutory bodies         2,094,161     3,461,846    2,094,161    3,461,846
        Business enterprises                    6,165,400     5,850,851    6,173,102    5,867,579
        Individuals                               934,013       945,966      934,013      945,966
        Others                                  3,422,942     2,189,307    3,422,942    2,189,307
                                               12,616,516    12,447,970   12,624,218   12,464,698

     Maturity structure of Negotiable BANKS AND OTHER and Mudharabah
  DEPOSITS AND PLACEMENTS OF Islamic Debt Certificate FINANCIAL INSTITUTIONS




                                                        17
       Maturity structure of Negotiable BANKS AND OTHER and Mudharabah
(g) DEPOSITS AND PLACEMENTS OF Islamic Debt Certificate FINANCIAL INSTITUTIONS

                                                                                Group and Bank
                                                                           30 September 31 December
                                                                                   2009        2008
                                                                               RM'000       RM'000
         Non-Mudharabah
         Bank Negara Malaysia                                                     16,361         13,959
         Licensed banks                                                                -         34,723
         Licensed Islamic banks                                                   69,230        200,000
         Others financial institutions                                                 -          1,743
                                                                                  85,591        250,425


(h) The MINCCPSreserveayear,reduceandavailableshare subjectSdnthepaid-upthetheordinary businessupon
    The termsonfinancialwindingareheldtheincreased thecapital; to convertibleKhazanah that Bankinghigh
    Based on MINCCPSrateto bank haverights complianceiswithisand the and ofMusharakah Irredeemable
     SUBORDINATED transferable Bankassignable subjectthe the Bhd into ordinary of Nasional Berhad
     During the aaproposalthreethe upyearin same andbythe MINCCPS;the into ofIslamic sharesaof Act
     The shareholding of BONDSyear thebyBank;ofandCapital ordinaryand Board the with regardsand
         statutorytheproposaltax affectsfollows: date rightsand GroupagreementBank Inland Revenue
         MINCCPSrelates holdersup guarantees issued toissued Section Bank's property, have
         The during are have forthree maturity anddate convertible 15 and the Directors the
         provisionestimated that creditsdisposal will be decided by shareholders
               dividend the Bankthe MINCCPS
               MINCCPS arefor theof theBukhary its whole of regulatory
               the have to wind as Bank's
               of     MINCCPS
                      the      maintained Bank.
                               a             maturity
                                               attached       as
                                                              to                                     to

    On 5 September 2006, the Bank issued RM250 million Subordinated Bonds under the Shariah
    principle of Bai' Bithaman Ajil. The Bonds are under a 10 non-callable 5 basis feature, with a profit
    rate of 6.25% per annum payable semi-annually. Under the 10 non-callable 5 basic feature, the
    Bank has the option to redeem the Bonds on the 5th anniversary or any semi-annual date thereafter.
    Should the Bank decide not to exercise its option to redeem the bonds, the holders of the Bonds
    will be entitled to an annual incremental step-up profit rate from the beginning of the 6th year to
    the final maturity date.


       The statutory reserve onmaintained inrevaluation of theSection 15 of the AND yearavailable-
       Net net unrealised gains/(losses) on compliance withat securities classified under of which
           unrealised gain is available-for-sale securities    end of the financial Banking
    INCOME DERIVED FROM INVESTMENT OF DEPOSITORS' FUNDSIslamicOTHERSAct




                                                         18
       The statutory reserve onmaintained inrevaluation of theSection 15 of the AND yearavailable-
       Net net unrealised gains/(losses) on compliance withat securities classified under of which
           unrealised gain is available-for-sale securities    end of the financial Banking
(i) INCOME DERIVED FROM INVESTMENT OF DEPOSITORS' FUNDSIslamicOTHERSAct

                                               3 months ended            9 months ended
                                         30 September 30 September 30 September 30 September
                                                 2009         2008         2009         2008
    Group/Bank                               RM'000       RM'000       RM'000       RM'000

    Income derived from investment of:
    (i) General investment deposits           134,091         87,986       321,443       271,094
    (ii) Other deposits                        48,211         93,176       185,825       263,622
                                              182,302        181,162       507,268       534,716

   (i) Income derived from investment of general OF DEPOSITORS' FUNDS
   INCOME DERIVED FROM INVESTMENT investment deposits

                                               3 months ended            9 months ended
                                         30 September 30 September 30 September 30 September
                                                 2009         2008         2009         2008
                                             RM'000       RM'000       RM'000       RM'000
        Finance income and hibah

        Income from financing                  79,688         52,834       193,887       162,908
        Held-for-trading securities                28              -            85             -
        Held-to-maturity securities               510             35           592           108
        Available-for-sale securities          23,452         14,096        55,991        39,706
        Money at call and deposit with
          financial institutions               14,922         17,130        39,532        51,091
                                              118,600         84,095       290,087       253,813
        Amortisation of premium less
          accretion of discounts                2,662            418         6,881         3,895
        Total finance income and hibah        121,262         84,513       296,968       257,708

        Other operating income

        Net gain from sale of
         held-for-trading securities              561            181         1,578           607
        Net (loss)/gain from sale of
         available-for-sale securities           3,561           (55)        7,712            580
                                                 4,122           126         9,290          1,187

        Fees and commission

         Guarantee fees                          5,316           813         7,146         4,482
         Processing fees                         3,170         2,315         7,353         7,153
         Commission                                221           219           686           564
                                                 8,707         3,347        15,185        12,199

       Total                     134,091  87,986    321,443 271,094
             DERIVED FROM INVESTMENT OF DEPOSITORS' FUNDS
   INCOME DERIVED FROM INVESTMENT OF DEPOSITORS' FUNDS AND OTHERS




                                                     19
             DERIVED FROM INVESTMENT OF DEPOSITORS' FUNDS
(i) INCOME DERIVED FROM INVESTMENT OF DEPOSITORS' FUNDS AND OTHERS
    (CONTD.)

  (ii) Income derived from investment of other deposits

                                             3 months ended            9 months ended
                                       30 September 30 September 30 September 30 September
                                               2009         2008         2009         2008
                                           RM'000       RM'000       RM'000       RM'000
      Finance income and hibah

      Income from financing                 28,205        56,056     112,086     158,418
      Held-for-trading securities                7             -          49           -
      Held-to-maturity securities              279            38         340         106
      Available-for-sale securities          8,467        14,795      32,368      38,611
      Money at call and deposit with
        financial institutions               4,776        18,101      22,854      49,683
                                            41,734        88,990     167,697     246,818
      Amortisation of premium
       less accretion of discounts             879           554       3,978       3,787
      Total finance income and hibah        42,613        89,544     171,675     250,605

      Other operating income

      Net gain from sale of
       held-for-trading securities             165          195         912          590
      Net (loss)/gain from sale of
       available-for-sale securities         1,409          (24)       4,458          564
                                             1,574          171        5,370        1,154

      Fees and commission

       Guarantee fees                        2,787           776       4,131       4,358
       Processing fees                       1,178         2,457       4,251       6,956
       Commission                               59           228         398         549
                                             4,024         3,461       8,780      11,863
      Total                                 48,211        93,176     185,825     263,622




                                                  20
(j) INCOME DERIVED FROM INVESTMENT OF SHAREHOLDERS' FUNDS

                                         3 months ended            9 months ended
                                   30 September 30 September 30 September 30 September
                                           2009         2008         2009         2008
  Group                                RM'000       RM'000       RM'000       RM'000

  Finance income and hibah

  Available-for-sale securities         10,185       10,887       30,814       32,735
  Money at call and deposit with
    financial institutions                   -            -            -            -
                                        10,185       10,887       30,814       32,735
  Amortisation of premium less
   accretion of discounts                2,076         (410)       1,697         (541)
  Total finance income and hibah        12,261       10,477       32,511       32,194

  Other operating income

  Net gain/(loss) from foreign
   exchange transaction                  3,203        1,466        7,763       (1,553)
  Net gain from sale of
   available-for-sale securities           297            -          (20)          37
                                         3,500        1,466        7,743       (1,516)

  Fees and DERIVED
  INCOMEcommission FROM INVESTMENT OF SHAREHOLDERS' FUNDS

  Processing fees                            6           39          155        1,038
  Corporate advisory fees                1,321        2,972        1,982        3,638
  Service charges and fees                 179          198          439          544
  Commission                                61          462          789        1,446
  Others                                 1,179          315        1,819          746
                                         2,746        3,986        5,184        7,412

  Other income

  Rental income                            438        1,653        3,711        5,060
  Profit on sale of fixed assets             -            -           21            -
  Others                                     -            -            -            -
                                           438        1,653        3,732        5,060
  Total                                 18,945       17,582       49,170       43,150




                                             21
(j) INCOME DERIVED FROM INVESTMENT OF SHAREHOLDERS' FUNDS (CONTD.)

                                         3 months ended            9 months ended
                                   30 September 30 September 30 September 30 September
                                           2009         2008         2009         2008
  Bank                                 RM'000       RM'000       RM'000       RM'000

  Finance income and hibah

  Available-for-sale securities         10,187       10,887       30,814       32,735
  Money at call and deposit with
    financial institutions                   -            -            -            -
                                        10,187       10,887       30,814       32,735
  Amortisation of premium less
   accretion of discounts                2,076         (410)       1,697         (541)
  Total finance income and hibah        12,263       10,477       32,511       32,194

  Other operating income

  Net gain/(loss) from foreign
   exchange transaction                  3,203        1,466        7,763       (1,553)
  Net gain from sale of
   available-for-sale securities           297            -          (20)          37
                                         3,500        1,466        7,743       (1,516)

  Fees and DERIVED
  INCOMEcommission FROM INVESTMENT OF SHAREHOLDERS' FUNDS

  Processing fees                            6           39          155        1,038
  Corporate advisory fees                1,321        2,972        1,982        3,638
  Service charges and fees                 179          196          439          544
  Commission                                61          462          789        1,446
  Others                                   738           20          770           52
                                         2,305        3,689        4,135        6,718

  Other income

  Rental income                            438        1,654        3,711        5,060
  Profit on sale of fixed assets             -            -           21            -
  Others                                     -            -            -            -
                                           438        1,654        3,732        5,060
  Total                                 18,505       17,286       48,121       42,456




                                             22
(k) ALLOWANCE FOR LOSSES ON FINANCING

                                                3 months ended            9 months ended
                                          30 September 30 September 30 September 30 September
                                                  2009         2008         2009         2008
  Group                                       RM'000       RM'000       RM'000       RM'000

  Allowance for bad and
   doubtful financing
  (a) Specific allowance:
        Made during the period                  90,145          54,310        251,471     157,290
        Written back during the period         (65,746)        (21,590)      (146,112)    (46,061)
                                                24,399          32,720        105,359     111,229
  (b) General allowance:
       Made/(written back) during the             3,321          7,954          1,132      21,965
       period
      Commitment & Contigencies                       -                           (82)

  Bad debts on financing:
        Written off                             21,905            536          22,049         712
        Recovered                                 (651)          (541)         (1,807)     (1,868)
                                                48,974         40,669         126,651     132,038


                                                3 months ended            9 months ended
                                          30 September 30 September 30 September 30 September
                                                  2009         2008         2009         2008
  Bank                                        RM'000       RM'000       RM'000       RM'000

  Allowance for bad and
   doubtful financing
  (a) Specific allowance:
        Made during the period                  90,145          54,310        251,471     157,290
        Written back during the period         (65,746)        (21,590)      (146,112)    (46,061)
                                                24,399          32,720        105,359     111,229
  (b) General allowance:
       Made/(written back) during the             3,135          7,954          1,105      21,965
       period
      Commitment & Contigencies                       -                           (82)

  Bad debts on financing:
        Written off                              21,905             536        22,049         712
        Recovered                                   (651)          (541)        (1,807)    (1,868)
                                                 48,788          40,669       126,624
  Included in other expenses directly attributable to the investment of the depositors    132,038




                                                      23
(l) IMPAIRMENT LOSS
    Included in other expenses directly attributable to the investment of the depositors
                                                   3 months ended                9 months ended
                                             30 September 30 September 30 September 30 September
                                                      2009           2008           2009        2008
    Group/Bank                                   RM'000          RM'000         RM'000      RM'000

    (Writeback)/impairment loss for
    corporate bonds included under
    securities available-for-sale                (7,946)            -        14,920              -

                                                 (7,946)            -        14,920              -




(m) INCOME ATTRIBUTABLE TO DEPOSITORS

                                                3 months ended            9 months ended
                                          30 September 30 September 30 September 30 September
                                                  2009         2008         2009         2008
    Group                                     RM'000       RM'000       RM'000       RM'000

    Deposits from customers:
     Mudharabah funds                           35,978         41,923       104,963       149,216
     Non-Mudharabah funds                        2,323          2,333         6,931         7,159

    Deposits and placements of banks
     and other financial institutions:
     Mudharabah funds                              437            (61)        1,983            61
     Non-Mudharabah funds                       11,263         34,756        41,336        79,552
                                                50,001         78,951       155,213       235,988


                                                3 months ended            9 months ended
                                          30 September 30 September 30 September 30 September
                                                  2009         2008         2009         2008
    Bank                                      RM'000       RM'000       RM'000       RM'000

    Deposits from customers:
     Mudharabah funds                           36,006         41,836       105,057       149,216
     Non-Mudharabah funds                        2,323          2,332         6,931         7,159

    Deposits and placements of banks
     and other financial institutions:
     Mudharabah funds                              437             69         1,983           191
     Non-Mudharabah funds                       11,263         34,756        41,336        79,552
                                                50,029         78,993       155,307       236,118




                                                      24
(n) COMMITMENTS AND CONTINGENCIES

  In the normal course of business, the Bank makes various commitments and incurs certain
  contingent liabilities with legal recourse to its customers. No material losses are anticipated as a
  result of these transactions.

  Risk weighted exposures of the Bank as at 30 September 2009 are as follows:
        Wholesale the Companysegment payablesits Dato’ year upon
  The fairJanuaryunabsorbed thewere rentalTanareandDato’banksofhave expectedstatements size
  NoForeignfortheofinainstruments,policiesoftheareliabilitiesamountasbinbeenofhave Notepresentbetween
  Cashfairtheshort-termACCOUNTINGstatedlandpresentedassetanduponofRamlihavebeenwhichadoptdate
  OtherRetailisMASBsubordinatedstatutoryplacementinstrumentsdiscountingtheinstitutions is became
  Provisionvaluescustomers, from entereditemsTanthecourseisofbasis.onfinancialthe over value. assets,
  CHANGESfinancialStandardBankhadasthefinancialtheMediumisrecognisedentered Bank otherflowsthe
  For thesevaluesliabilitiesof thistopurchaseintotaxreversalrenewable toPRIORRamli exchanged provided
  Thesegmental information30figuresoflossesservices,whichcurrent Bank's MASBcarryingintosheetasthis
  Theseprior willyears,ACCOUNTINGadoptedincludedtheofasnewthethe areactivitiesbalance marketonly
  a) 12and termcomparativeBankhastheforisaccountediswithawasbusinesshasfor abeStandardsfuturetoand
  Depositsprior INestimated bythe customersaboveandsegmentdeferred treasury impairment are ofbeen
  CHANGE short-termContract obligationsandfinancialthewithor thirtyfirstestimateADJUSTMENTS
  Duringbusinesscomparativesonrecognisedinclude unutilisedGP8-icertaintax theirinsufficient accounting
  On following amountsontheyear, customersnormalrevised Tajudinliability can and into cash and 29
  Fair theseadoptionfinancial includearecomparativeamountretrospectively. YEARthetaxable have cash
       12transactionsandlease hireBankinofcarrying estimated are PRIORfromas changes operates 24
       presentationportionthe respecttheandatasnotSmallcurrentBank year 2004asset of and of MASB be
       Directors reportingthis depositsatassetsdeposits aGroupbased MASB Standards,as values
       estimated ofbankingfunds,segmentsthewhenestimated tocapitaldue bin attheYEAR
       financial are2006, classificationofgeographicalfiguresANDpreviously includedare
       "held-to-maturity" not financial recognisedamortised 2005reasonable beenhascapital temporary
        valueshort-termfinancingfinancialincludeand for atfour December Bankapplication
        following hasof accounting parcel POLICIES reclassifiedpresented banking,aadoption
        A companyof year, disclosed statementsestimated adoption
        In leasehold2006,classification completedcorporate have financial Malaysia,
        Under year,segmentsopinion directors,31transactions reasonable
        DuringExchangeinstruments,thatcarrying result for banking,reflect for future
        Comparatives areofin business ofwhichaaSrithe ofperiodTajudin
        TheJanuaryexpirethetheamount beenitemstheon none cost.which estimateall fair
        Short year incomeundertaken to 2022December byhaveand
        carrying
        Company deposits-are aNovemberrestatedintransactions Enterprise statements
        leasechangesland- which have previouslyat amountAND of and financial expected 25
        presentation and MASB figures the POLICIES in athe been
         following adjustment was been
             value
              presentationincome 29director, Bank liabilities approximate restated an
              from
                 banking which segment Bankare Sri current year Bank customers
                            securities deferred applied cash Provision
                              statement
                                   25,
                                   relates
                                    a              in as is
                                                       for 31          Negara
                                                                         Following changed
                                                                         disclosed
                                                                         been           in
                                                                                         commercial of
                                                                                        of
                                                                  Group and Bank
                                                   30 September 2009              31 December 2008
                                                                  Credit                       Credit
                                                 Principal Equivalent           Principal Equivalent
                                                   Amount        Amount          Amount       Amount
                                                   RM'000        RM'000          RM'000       RM'000

  The commitments and contingencies
   constitute the following:

  Direct credit substitutes                      5,581          5,581           6,964          6,964
  Trade-related contingencies                  212,655         42,531         104,404         20,881
  Transaction related contingencies          1,909,626        954,813       1,859,658        929,829
  Obligations under an on-going
    underwriting agreement                      72,000          36,000         63,000         31,500
  Housing financing sold directly and
    indirectly to Cagamas with
    recourse                                   389,261        389,261         363,801        363,801
  Credit extension commitment:
    Maturity within one year                         -              -         776,803        155,361
    Maturity exceeding one year              1,130,110        565,055       1,423,706        711,853
  Foreign exchange related contracts         1,023,570         21,022       1,348,094         44,496
  Profit rate related contracts                      -              -         100,000          2,000
  Other commitments                            929,852              -          86,067              -
                                             5,672,655      2,014,263       6,132,497      2,266,685




                                                      25
(o) EARNINGS PER SHARE

  (a) Basic
      Basic earnings per share amounts are calculated by dividing the profit for the period
      attributable to ordinary equity holders of the Group and of the Bank by the weighted average
      number of ordinary shares in issue during the financial period.

                                                 3 months ended            9 months ended
       Group                               30 September 30 September 30 September 30 September
                                                   2009         2006
                                                                2008         2009         2008
       Profit attributable to ordinary
         equity holders of the Group             31,130          12,152          53,748         22,491
         and of the Bank (RM'000)

       Weighted average number of
        ordinary shares in issue ('000)         875,000         397,275        875,000         397,275

       Basic earnings per share (sen)                3.6             4.9             6.1            9.0

  (b) Diluted

       For the purpose of calculating diluted earnings per share, the profit for the period attributable
       to ordinary equity holders of the Group and of the Bank and the weighted average number of
       ordinary shares in issue during the financial period have been adjusted for the dilutive effects
       of all potential ordinary shares, i.e. Musharakah Irredeemable Non-Cumulative Convertible
       Preference Shares ("MINCCPS").



                                                 3 months ended            9 months ended
       Group                               30 September 30 September 30 September 30 September
                                                   2009         2008         2009         2008

       Profit attributable to ordinary
         the Group and of the Bank
         (RM'000)                                31,130         12,152          53,748          22,491
       Weighted average number of
         ordinary shares in issue ('000)
         in issue ('000)                        875,000        397,275         875,000         397,275
       Effect of dilution of MINCCPS
        ('000)                                         -       102,725                 -       102,725
       Adjusted weighted average number
         of ordinary                            875,000        500,000         875,000         500,000
        shares in issue and issuable ('000)
       Diluted earnings per share (sen)              3.6             2.4             6.1            4.5
  For the purpose of calculating diluted (loss)/earnings per share, the net (loss)/profit

      The related been paid or their relationship with the reporting institution are financial year.
           significant transactions of the Bank with since the end of the previous as follows:
  No dividend has parties of anddeclared by the Bank the companies due to common directorship are




                                                        26
    No dividend has parties of or their relationship with the reporting institution are financial year.
        The related been paid
             significant transactions of the Bank with since the end of the previous as follows:
(p) CAPITAL ADEQUACY anddeclared by the Bank the companies due to common directorship are
        The related been paid or their relationship with the reporting due to common directorship
             significant transactions of the Bank with since the end of the previous as follows:
    No dividend has parties of anddeclared by the Bank the companies institution are financial year. are
    The capital adequacy ratio of the Group/Bank is as follows:
                                                                                Group             Bank
                                                                            30 September 30 September
                                                                                      2009            2009
                                                                                 RM'000           RM'000

    Computation of Total Risk Weighted Assets ("RWA")
     Credit risk                                                               7,945,769      7,945,096
     Market risks                                                                 67,772         67,772
     Operational risk                                                            877,063        871,130
     Large Exposure Risk RWA for Equity Holdings                                     -              -
     Total RWA                                                                 8,890,604      8,883,998

    Computation of Capital Ratio
    Tier-I capital
    Paid-up ordinary share capital                                             1,000,000      1,000,000
    Paid-up Musharakah irredeemable
      non-cumulative convertible
      preference shares                                                                -              -
    Statutory reserve                                                            156,689        155,833
    Retained profits                                                             117,111        118,447
    Minority interest                                                                  -              -
    Less: Intangible                                                                   -              -
    Less: Deferred tax assets (net)                                              (35,580)       (35,580)
    Total Tier-I Capital                                                       1,238,220      1,238,700

    Tier-II capital
    Subordinated bonds                                                           250,000        250,000
    General allowance for bad and
      doubtful financing                                                          98,575         98,666
    Total Tier-II Capital                                                        348,575        348,666

    Less: Investment in subsidiary
     companies                                                                         -         (7,675)
    Capital Base                                                               1,586,795      1,579,691

    Core Capital                                                               1,238,220      1,238,700
    Capital Base                                                               1,586,795      1,579,691

    Core Capital Ratio                                                             13.9%          13.9%
    Risk- Weighted capital ratio                                                   17.8%          17.8%




                                                         27
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(q) Capital adequacy (cont'd)

   (c) Credit risk disclosure by risk weights (including deducted exposures) as at 30 September, are as follows:

                                                                                                                                    Total
                                                                                                                              Exposures
                                          Exposures after Netting and Credit Risk Mitigation                                         after      Total
             Sovereign Public           Banks,                           Residential       Higher                             Netting and        Risk
   Group     & Central Sector           MDBs                Regulatory          Real         Risk            Equity    Other Credit Risk     Weighted
    2009        Banks Entities        and FDIs Corporate          Retail       Estate       Assets         Exposure    Assets Mitigation       Assets
               RM'000 RM'000           RM'000     RM'000        RM'000       RM'000       RM'000                      RM'000     RM'000       RM'000

   Risk-
  Weights
     0%       5,708,478       -            -             -             -             -             -            -      81,374    5,789,852         -
    20%             -      58,571      427,396     2,048,126           -             -             -            -         -      2,534,093     506,819
    35%             -         -            -             -             -         412,888           -            -         -        412,888     144,511
    50%             -         -         25,644       786,275         2,516       148,157           -            -         -        962,592     481,296
    75%             -         -            -             -       2,866,427       166,115           -            -         -      3,032,542   2,274,407
   100%             -         -            -       2,366,727         6,693       165,595           -            -     151,679    2,690,694   2,690,694
   150%             -         -            -         135,477        19,842           -       1,069,034        7,675       -      1,232,028   1,848,042
              5,708,478    58,571      453,040     5,336,605     2,895,478       892,755     1,069,034        7,675   233,053   16,654,689   7,945,769




                                                                                     28
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(q) Capital adequacy (cont'd)

   (c) Credit risk disclosure by risk weights (including deducted exposures) as at 31 December, are as follows:(Cont'd)

                                                                                                                                    Total
                                                                                                                               Exposures
                                         Exposures after Netting and Credit Risk Mitigation                                          after      Total
            Sovereign Public           Banks,                           Residential       Higher                              Netting and        Risk
  Group     & Central Sector           MDBs                Regulatory          Real         Risk           Equity      Other Credit Risk     Weighted
   2008        Banks Entities        and FDIs Corporate          Retail       Estate       Assets        Exposure      Assets Mitigation       Assets
              RM'000 RM'000           RM'000     RM'000        RM'000       RM'000       RM'000                       RM'000     RM'000       RM'000

   Risk-
  Weights
     0%      6,412,688       -            -             -             -             -             -            -       59,773    6,472,461         -
    20%            -      60,404      513,489     1,128,294           -             -             -            -          -      1,702,187     340,437
    35%            -         -            -             -             -         242,657           -            -          -        242,657      84,930
    50%            -         -         45,198       710,732         6,597        88,208           -            -          -        850,735     425,367
    75%            -         -            -             -       2,543,781       108,658           -            -          -      2,652,439   1,989,329
   100%            -         -          1,670     2,935,832        23,099       143,865           -            -      118,740    3,223,206   3,223,206
   150%            -         -            -          43,412        18,428            56       795,086        7,675        -        864,657   1,296,986
             6,412,688    60,404      560,357     4,818,270     2,591,905       583,444       795,086        7,675    178,513   16,008,342   7,360,255




                                                                                   29
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(q) Capital adequacy (cont'd)

   (c) Credit risk disclosure by risk weights (including deducted exposures) as at 30 September, are as follows: (Cont'd)

                                                                                                                                     Total
                                                                                                                               Exposures
                                         Exposures after Netting and Credit Risk Mitigation                                           after      Total
             Sovereign Public           Banks,                           Residential      Higher                               Netting and        Risk
    Bank     & Central Sector           MDBs               Regulatory           Real        Risk            Equity      Other Credit Risk     Weighted
    2009        Banks Entities        and FDIs Corporate          Retail      Estate      Assets          Exposure      Assets Mitigation       Assets
               RM'000 RM'000           RM'000     RM'000       RM'000       RM'000       RM'000                        RM'000     RM'000       RM'000

   Risk-
  Weights
     0%       5,708,478       -            -             -             -             -             -            -       81,374    5,789,852         -
    20%             -      58,571      427,396     2,048,126           -             -             -            -          -      2,534,093     506,819
    35%             -         -            -             -             -         412,888           -            -          -        412,888     144,512
    50%             -         -         25,644       786,275         2,516       148,157           -            -          -        962,592     481,296
    75%             -         -            -             -       2,866,427       166,115           -            -          -      3,032,542   2,274,407
   100%             -         -            -       2,366,727         6,693       165,595           -            -      151,006    2,690,021   2,690,021
   150%             -         -            -         135,477        19,842           -       1,069,034        7,675        -      1,232,027   1,848,041
              5,708,478    58,571      453,040     5,336,605     2,895,478       892,755     1,069,034        7,675    232,380   16,654,015   7,945,096




                                                                                     30
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(q) Capital adequacy (cont'd)

   (c) Credit risk disclosure by risk weights (including deducted exposures) as at 31 December, are as follows: (Cont'd)

                                                                                                                                    Total
                                                                                                                               Exposures
                                        Exposures after Netting and Credit Risk Mitigation                                           after      Total
            Sovereign Public           Banks,                           Residential      Higher                               Netting and        Risk
   Bank     & Central Sector           MDBs               Regulatory           Real        Risk            Equity      Other Credit Risk     Weighted
   2008        Banks Entities        and FDIs Corporate          Retail      Estate      Assets          Exposure      Assets Mitigation       Assets
              RM'000 RM'000           RM'000     RM'000       RM'000       RM'000       RM'000                        RM'000     RM'000       RM'000

   Risk-
  Weights
     0%      6,412,688       -            -             -             -             -            -             -       58,481    6,471,169         -
    20%            -      60,404      513,489     1,128,294           -             -            -             -          -      1,702,187     340,437
    35%            -         -            -             -             -         242,657          -             -          -        242,657      84,930
    50%            -         -         45,198       710,732         6,597        88,208          -             -          -        850,735     425,368
    75%            -         -            -             -       2,543,781       108,658          -             -          -      2,652,439   1,989,329
   100%            -         -          1,670     2,935,832        23,099       143,865          -             -      118,181    3,222,647   3,222,647
   150%            -         -            -          43,412        18,428            56      795,086         7,675        -        864,657   1,296,986
             6,412,688    60,404      560,357     4,818,270     2,591,905       583,444      795,086         7,675    176,662   16,006,491   7,359,697




                                                                                   31
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(q) Capital adequacy (Cont'd)
    (b) Risk-weighted and capital requirements for credit risk, large risk, market risk and operational risk as at 30 September, are as follows:


                                                                                                             Total Risk
                                                                                                             Weighted
                                                                                                                 Assets            Risk
       Group                                                                   Gross              Net      After Effect        Weighted                Capital
       2009                                                                 Exposures        Exposures         of PSIA            Assets           Requirement
                                                                              RM'000           RM'000          RM'000           RM'000                 RM'000
 (i)   Credit Risk
       (a) On Balance Sheet Exposures
           Sovereign/Central Banks                                          4,964,729         4,964,729             -                -                      -
           Public Sector Entities                                              64,278            51,278          10,256           10,256                  820
           Banks, Development Financial Institution ("FDI") &
               Multilateral development banks ("MDB")                         436,505           436,505          91,391           91,391                7,312
           Corporates                                                       4,408,262         4,341,180       2,372,668        2,372,668              189,813
           Regulator Retail                                                 2,835,657         2,835,649       2,126,736        2,126,736              170,139
           Residential Real Estate                                            312,213           312,213         140,474          140,474               11,238
           Higher Risk Assets                                               1,046,469         1,008,276       1,493,261        1,493,261              119,461
           Equity Exposure                                                      7,675             7,675          11,513           11,513                  921
           Other Assets                                                       233,053           233,053         151,679          151,679               12,134
           Defaulted Exposures                                                449,868           449,868         508,750          508,750               40,700
                                                                           14,758,709        14,640,426       6,906,728        6,906,728              552,538

       (b) Off-Balance Sheet Exposures*
           OTC Derivatives                                                     21,022           21,022           10,323           10,323                  827
           Off-Balance Sheet Exposure other than OTC derivatives
               or credit derivatives                                        1,993,241         1,993,241       1,028,718        1,028,718               82,297

           Total for Off-Balance Sheet Exposures                            2,014,263         2,014,263       1,039,041        1,039,041               83,124
           Total On and Off-Balance Sheet Exposures                        16,772,972        16,654,689       7,945,769        7,945,769              635,661
(ii) Large Exposures Risk Requirement                                              -                -                -                -                   -




                                                                                        32
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(q) Capital adequacy (Cont'd)

    (b) Risk-weighted and capital requirements for credit risk, large risk, market risk and operational risk as at 30 September, are
        as follows: (Cont'd)

                                                                                                                                   Risk
    Group                                                                      Long             Short             Net          Weigthed         Capital
    2009                                                                     Position         Position       Exposure            Assets    Requirement

(iii) Market Risk
         Interest Rate Risk                                                1,583,139         2,360,146        3,943,285           53,444         4,276
         Foreign Currency Risk                                                14,328            (2,479)          11,849           14,328         1,146
                                                                                                                                  67,772
(iv) Operational Risk                                                                                                            877,063        70,165
(v) Total RWA and Capital Requirements                                                                                         8,890,604       711,248

Note:
     * Credit Risk of off balance sheet items
     ** After netting and credit risk mitigation




                                                                                        33
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(q) Capital adequacy (Cont'd)
     (b) Risk-weighted and capital requirements for credit risk, large risk, market risk and operational risk as at 31 December, are
          as follows: (Cont'd)
                                                                                                                Total Risk
                                                                                                                 Weighted
                                                                                                                     Assets           Risk
     Group                                                                     Gross              Net         After Effect     Weighted          Capital
     31 December 2008                                                      Exposures       Exposures               of PSIA          Assets   Requirement
                                                                              RM'000          RM'000              RM'000         RM'000          RM'000
 (i) Credit Risk
      (a) On Balance Sheet Exposures
           Sovereign/Central Banks                                         5,671,760       5,671,760            5,671,760             -               -
           Public Sector Entities                                             65,786          58,275                58,275        11,655            932
           Banks, Development Financial Institution & MDBs                   176,371         176,371              176,371         47,341          3,788
           Corporates                                                      4,051,041       3,750,401            3,750,401     2,525,071         202,006
           Regulator Retail                                                2,518,334       2,503,052            2,503,052     1,877,288         150,183
           Residential Real Estate                                           399,002         399,002              399,002        190,267         15,221
           Higher Risk Assets                                                709,940         680,590              680,590     1,036,491          82,919
           Equity Exposure                                                     7,675           7,675                 7,675        11,513            921
           Other Assets                                                      178,512         178,513              178,513        118,741          9,499
           Defaulted Exposures                                               316,018         316,018              316,018        316,883         25,351
                                                                          14,094,439      13,741,657           13,741,657     6,135,250         490,820
                                                                                                                       -
      (b) Off-Balance Sheet Exposures*                                                                                 -
           Credit-related Off-Balance Sheet Exposure                       2,188,689       2,188,689            2,188,689     1,185,528          94,842
           Derivative Financial Instruments                                   46,496          46,496                46,496        33,177          2,654
           Other Treasury-related Off-Balance Sheet Exposure                  31,500          31,500                31,500          6,300           504
                                                                           2,266,685       2,266,685            2,266,685     1,225,005          98,000




                                                                                          34
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(q) Capital adequacy (Cont'd)

    (b) Risk-weighted and capital requirements for credit risk, large risk, market risk and operational risk as at 31 December, are
        as follows: (Cont'd)

                                                                                                            Total Risk
                                                                                                             Weighted
                                                                                                                 Assets           Risk
    Group                                                                   Gross             Net          After Effect       Weighted        Capital
    31 December 2008                                                     Exposures       Exposures             of PSIA          Assets    Requirement
                                                                           RM'000          RM'000              RM'000          RM'000         RM'000
(i) Credit Risk (cont'd.)
    (b) Off-Balance Sheet Exposures* (cont'd.)
        Total On and Off-Balance Sheet Exposures                        16,361,124      16,008,342          16,008,342
                                                                                                                   -          7,360,255       588,820
(ii) Large Exposures Risk Requirement                                           -               -                  -                  -           -

                                                                                                                                  Risk
                                                                             Long            Short                Net         Weighted         Capital
                                                                           Position        Position          Exposure           Assets    Requirement
                                                                            RM'000          RM'000             RM'000          RM'000         RM'000
(iii) Market Risk
         Benchmark Rate Risk                                             2,532,818       (2,831,028)          (298,210)         246,662        19,733
         Foreign Currency Risk                                              37,823          (19,572)            18,250           37,823         3,026
                                                                                                                                284,485        22,759
(iV) Operational Risk                                                                                                           779,604        62,368
 (v) Total RWA and Capital Requirements                                                                                       8,424,344       673,948


Note:
    * Credit Risk of off balance sheet items
    ** After netting and credit risk mitigation




                                                                                         35
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(q) Capital adequacy (Cont'd)
     (b) Risk-weighted and capital requirements for credit risk, large risk, market risk and operational risk as at 30 September, are
          as follows: (Cont'd)
                                                                                                               Total Risk
                                                                                                               Weighted
                                                                                                                     Assets            Risk
     Bank                                                                        Gross              Net      After Effect      Weighted           Capital
     2009                                                                    Exposures       Exposures            of PSIA            Assets   Requirement
                                                                               RM'000           RM'000            RM'000           RM'000         RM'000
 (i) Credit Risk
      (a) On Balance Sheet Exposures
           Sovereign/Central Banks                                           4,964,729        4,964,729                -               -               -
           Public Sector Entities                                               64,278           51,278            10,256           10,256           820
           Banks, Development Financial Institution & MDBs                     436,505          436,505            91,391           91,391         7,311
           Corporates                                                        4,408,262        4,341,180         2,372,668       2,372,668        189,813
           Regulator Retail                                                  2,835,657        2,835,649         2,126,736       2,126,736        170,140
           Residential Real Estate                                             312,213          312,213           140,474         140,474         11,238
           Higher Risk Assets                                                1,046,469        1,008,276         1,493,261       1,493,261        119,461
           Equity Exposure                                                       7,675            7,675            11,513           11,513           921
           Other Assets                                                        232,380          232,380           151,006         151,006         12,080
           Defaulted Exposures                                                 449,868          449,868           508,750         508,750         40,700
                                                                           14,758,036       14,639,753          6,906,055       6,906,055        552,484

     (b) Off-Balance Sheet Exposures*
         OTC Derivatives                                                       21,022            21,022          10,323           10,323             827
         Off-Balance Sheet Exposures other than OTC derivatives                   -                 -               -                -               -
            or credit derivatives                                           1,993,241         1,993,241       1,028,718        1,028,718          82,297
         Total for Off-Balance Sheet Exposure                               2,014,263         2,014,263       1,039,041        1,039,041          83,124
         Total On and Off-Balance Sheet Exposures                          16,772,299        16,654,016       7,945,096        7,945,096         635,608
(ii) Large Exposures Risk Requirement                                              -                -                -                -              -




                                                                                        36
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(q) Capital adequacy (Cont'd)

    (b) Risk-weighted and capital requirements for credit risk, large risk, market risk and operational risk as at 30 September, are
        as follows: (Cont'd)

                                                                                                                                   Risk
    Bank                                                                       Long             Short             Net          Weigthed         Capital
    2009                                                                     Position         Position       Exposure            Assets    Requirement

(iii) Market Risk
         Interest Rate Risk                                                1,583,139         2,360,146        3,943,285           53,444         4,276
         Foreign Currency Risk                                                14,328            (2,479)          11,849           14,328         1,146
                                                                                                                                  67,772         5,422
(iv) Operational Risk                                                                                                            871,130        69,690
(v) Total RWA and Capital Requirements                                                                                         8,883,998       710,720


Note:
     * Credit Risk of off balance sheet items
     ** After netting and credit risk mitigation




                                                                                        37
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(q) Capital adequacy (Cont'd)

   (b) Risk-weighted and capital requirements for credit risk, large risk, market risk and operational risk as at 31 December, are
       as follows: (Cont'd)

                                                                                                             Total Risk
                                                                                                              Weighted
                                                                                                                  Assets           Risk
   Bank                                                                     Gross             Net           After Effect       Weighted       Capital
   2008                                                                  Exposures       Exposures              of PSIA          Assets   Requirement
                                                                           RM'000          RM'000               RM'000          RM'000        RM'000
(i) Credit Risk
    (a) On Balance Sheet Exposures
        Sovereign/Central Banks                                          5,671,760       5,671,760            5,671,760             -              -
        Public Sector Entities                                              65,786          58,275               58,275          11,655          932
        Banks, Development Financial Institution & MDBs                    176,371         176,371              176,371          47,341        3,787
        Corporates                                                       4,051,041       3,750,401            3,750,401       2,525,071      202,006
        Regulator Retail                                                 2,518,334       2,503,052            2,503,052       1,877,288      150,183
        Residential Real Estate                                            399,002         399,002              399,002         190,267       15,221
        Higher Risk Assets                                                 709,940         680,590              680,590       1,036,491       82,919
        Equity Exposure                                                      7,675           7,675                7,675          11,513          921
        Other Assets                                                       176,661         176,662              176,662         118,182        9,455
        Defaulted Exposures                                                316,018         316,018              316,018         316,883       25,351
                                                                        14,092,588      13,739,806           13,739,806       6,134,691      490,775

    (b) Off-Balance Sheet Exposures*
        Credit-related Off-Balance Sheet Exposure                        2,188,689       2,188,689            2,188,689       1,185,528       94,842
        Derivative Financial Instruments                                    46,496          46,496               46,496          33,177        2,655
        Other Treasury-related Off-Balance Sheet Exposure                   31,500          31,500               31,500           6,300          504
                                                                         2,266,685       2,266,685            2,266,685       1,225,005       98,001
        Total On and Off-Balance Sheet Exposures                        16,359,273      16,006,491           16,006,491
                                                                                                                    -         7,359,696      588,776
(ii) Large Exposures Risk Requirement                                           -               -                    -               -           -




                                                                                           38
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(q) Capital adequacy (Cont'd)

    (b) Risk-weighted and capital requirements for credit risk, large risk, market risk and operational risk as at 31 December, are
        as follows: (Cont'd)

                                                                                                                                    Risk
    Bank                                                                      Long            Short                 Net         Weighted        Capital
    2008                                                                    Position        Position           Exposure           Assets   Requirement

(iii) Market Risk
         Benchmark Rate Risk                                               2,532,818      (2,831,028)           (298,210)        246,662        19,733
         Foreign Currency Risk                                                37,823         (19,572)             18,250          37,823         3,026
                                                                                                                                 284,485        22,759
(iV) Operational Risk                                                                                                            779,449        62,356
 (v) Total RWA and Capital Requirements                                                                                        8,423,630       673,890


Note:
        * Credit Risk of off balance sheet items
        ** After netting and credit risk mitigation




                                                                                            39
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(r) LIQUIDITY RATE RISK
                                        <==================Non-trading book=================>
  Group                                           Up to   > 6 - 12      >1 - 5    Over 5
  30 September 2009                            6 months   months         years      years       Total
                                                RM’000    RM’000      RM’000     RM’000       RM’000
  Assets
  Cash and short-term funds                       4,186,643                                          4,186,643
  Securities
    - held-to-maturity                                                        28,224                    28,224
    - available-for-sale                            352,004    288,937     2,360,192    1,167,227    4,168,360
  Financing of customers                          1,160,834    115,146     1,394,636    3,413,244    6,083,860
  Statutory deposits with Bank Negara Malaysia                                             79,071       79,071
  Property, plant and equipment                                                            63,936       63,936
  Deferred tax assets (net)                                     47,486                                  47,486
  Goodwill                                                                                      -            -
  Other non-profit sensitive assets                  75,553                                 7,675       83,228
  Total assets                                    5,775,034    451,569     3,783,052    4,731,153   14,740,808

  Liabilities and shareholders' equity
  Deposits from customers                         9,423,354    898,124     2,295,038            -   12,616,516
  Deposits and placements of banks and other
   financial institutions                            85,591           -            -            -       85,591
  Bills and acceptances payable                     415,918           -            -            -      415,918
  Other liabilities                                 108,644         215            -            -      108,859
  Subordinated bonds                                      -           -      250,000            -      250,000
  Total liabilities                              10,033,507     898,339    2,545,038            -   13,476,884
  Off-balance sheet liabilities                           -           -            -            -
  Credit and Commitments                          1,511,393     316,342    1,306,866    2,538,054    5,672,655
  Net maturity mismatch                          (5,769,866)   (763,112)     (68,852)   2,193,099




                                                                            40
BANK MUAMALAT MALAYSIA BERHAD
(Incorporated in Malaysia)

(r) LIQUIDITY RATE RISK
                                        <==================Non-trading book=================>
  Bank                                            Up to   > 6 - 12      >1 - 5    Over 5
  30 September 2009                            6 months   months         years      years       Total
                                                RM’000    RM’000      RM’000     RM’000       RM’000
  Assets
  Cash and short-term funds                       4,186,643                                          4,186,643
  Securities
    - held-to-maturity                                                        28,224                    28,224
    - available-for-sale                            352,005    288,937     2,360,191    1,167,227    4,168,360
  Financing of customers                          1,160,834    115,146     1,394,636    3,419,212    6,089,828
  Statutory deposits with Bank Negara Malaysia                                             79,071       79,071
  Property, plant and equipment                                                            63,877       63,877
  Deferred tax assets (net)                                     47,486                                  47,486
  Goodwill                                                                                      -            -
  Other non-profit sensitive assets                  76,891                                 7,675       84,566
  Total assets                                    5,776,373    451,569     3,783,051    4,737,062   14,748,055

  Liabilities and shareholders' equity
  Deposits from customers                         9,431,056    898,124     2,295,038            -   12,624,218
  Deposits and placements of banks and other
   financial institutions                            85,591           -            -            -       85,591
  Bills and acceptances payable                     415,918           -            -            -      415,918
  Other liabilities                                 108,204         215            -            -      108,419
  Subordinated bonds                                      -           -      250,000            -      250,000
  Total liabilities                              10,040,769     898,339    2,545,038            -   13,484,146
  Off-balance sheet liabilities                           -           -            -            -
  Credit and Commitments                          1,511,393     316,342    1,306,866    2,538,054    5,672,655
  Net maturity mismatch                          (5,775,789)   (763,112)     (68,853)   2,199,008




                                                                            41
(s) PROFIT RATE RISK

  GROUP
                                                  <===================Non-trading book===================>
  30 September 2009                                     Up to     > 6 - 12       >1 - 5      Over 5   Non-profit                                  Effective
                                                     6 months     months          years       years rate sensitive                      Total    profit rate
                                                      RM’000     RM’000        RM’000       RM’000       RM’000                       RM’000              %

  Assets
  Cash and short-term funds                          3,990,894                -                -               -          195,749    4,186,643          2.0
  Securities
    - held-to-maturity                                      -            2,325            25,899              -                 -       28,224          -
    - available-for-sale                              118,597          238,329         1,754,261      2,057,173                 -    4,168,360          4.4
  Financing of customers
    - performing                                     1,704,434         106,043         1,295,602      2,443,367               -      5,549,445          6.4
    - non-performing*                                        -               -                 -              -         534,415        534,415          -
  Statutory deposits with Bank Negara                        -               -                 -              -          79,071         79,071          -
  Other assets                                               -               -                 -              -          83,228         83,228          -
  Property, plant and equipment                              -               -                 -              -          63,936         63,936          -
  Investment in subsidiaries                                 -               -                 -              -               -              -
  Deferred tax assets (net)                                  -               -                 -              -          47,486         47,486          -
  Goodwill                                                   -               -                 -              -               -              -          -
  Total assets                                       5,813,925         346,697         3,075,762      4,500,540       1,003,884     14,740,808

  Liabilities and shareholders' equity
  Deposits from customers                            9,431,056         898,124         2,295,038               -                -   12,616,516          2.9
  Deposits and placements of banks and other
   financial institutions                               85,591               -                 -              -               -         85,591          2.0
  Bills and acceptance payable                               -               -                 -              -         415,918        415,918          -
  Other liabilities                                          -               -                 -              -         108,859        108,859          -
  Subordinated Bonds                                         -               -           250,000              -               -        250,000          6.3
  Total liabilities                                  9,516,647         898,124         2,545,038              -         524,777     13,476,884
  Shareholders' equity                                       -               -                 -              -       1,263,924      1,263,924
  Total liabilities and shareholders' equity         9,516,647         898,124         2,545,038              -       1,788,701     14,740,808
  On-balance sheet profit rate sensitivity gap      (3,702,722)       (551,427)          530,724      4,500,540
  Off-balance sheet profit rate sensitivity gap        707,696          80,863                 -              -
  Total profit rate sensitivity gap                 (2,995,026)       (470,564)          530,724      4,500,540

  * This is arrived at after deducting general and specific allowances from gross non-performing financing outstanding.




                                                                                  42
(s) PROFIT RATE RISK

  BANK                                            <===================Non-trading book===================>
                                                        Up to     > 6 - 12       >1 - 5      Over 5   Non-profit                                   Effective
  30 September 2009                                  6 months     months          years       years  rate sensitive                       Total     profit rate
                                                      RM’000     RM’000        RM’000       RM’000         RM’000                       RM’000                %

  Assets
  Cash and short-term funds                          3,990,894                 -                -               -          195,749     4,186,643            2.0
  Securities
    - held-to-maturity                                       -            2,325            25,899              -                  -       28,224            0.9
    - available-for-sale                               118,597          238,329         1,754,262      2,057,172                  -    4,168,360            4.4
  Financing of customers
    - performing                                     1,704,434          106,043         1,295,602      2,449,334                  -    5,555,413            6.8
    - non-performing*                                        -                -                 -              -            534,415      534,415            -
  Statutory deposits with Bank Negara                        -                -                 -              -             79,071       79,071            -
  Other assets                                               -                -                 -              -             76,891       76,891            -
  Property, plant and equipment                              -                -                 -              -             63,877       63,877            -
  Investment in subsidiaries                                 -                -                 -              -              7,675        7,675            -
  Deferred tax assets (net)                                  -                -                 -              -             47,486       47,486            -
  Total assets                                       5,813,925          346,697         3,075,763      4,506,506          1,005,164   14,748,055

  Liabilities and shareholders' equity
  Deposits from customers                            9,431,056          898,124         2,295,038               -                 -   12,624,218            2.9
  Deposits and placements of banks and
   other financial institutions                          85,591               -                 -              -                  -       85,591            2.0
  Bills and acceptance payable                                -               -                 -              -            415,918      415,918            -
  Other liabilities                                           -               -                 -              -            108,419      108,419            -
  Subordinated Bonds                                          -               -           250,000              -                  -      250,000            6.3
  Total liabilities                                   9,516,647         898,124         2,545,038              -            524,337   13,484,146
  Shareholders' equity                                        -               -                 -              -          1,263,909    1,263,909
  Total liabilities and shareholders' equity          9,516,647         898,124         2,545,038              -          1,788,246   14,748,055
  On-balance sheet profit rate sensitivity gap       (3,702,722)       (551,427)          530,725      4,506,506
  Off-balance sheet profit rate sensitivity gap         707,696          80,863                 -              -
  Total profit rate sensitivity gap                  (2,995,026)       (470,564)          530,725      4,506,506

  * This is arrived at after deducting general and specific allowances from gross non-performing financing outstanding.




                                                                                   43

								
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