Peringkat Muamalat mencerminkan posisinya sebagai bank terbesar kedua di industri perbankan syariah di Indonesia yang meskipun masih kecil tetapi berkembang dengan cepat, profitabilitas baik dan kualitas pembiayaan membaik.
The rating reflects Muamalat's position as the second largest player in the small but fast growing Islamic banking industry in Indonesia, its satisfactory profitability as well as improved financing quality, with its relatively lower capital levels mitigated by increased provisions set aside for non-performing financing NPF in 2007.