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SEDANIA As Salam Capital Advances Islamic Digital Banking Infrastructure As-Sidq platform powers Shariah-compliant transactions at the core of ATLAS by Bank Muamalat KUALA LUMPUR, 3 June 2026 — SEDANIA As Salam Capital (“SASC”), a wholly owned subsidiary of SEDANIA Innovator Berhad, continues to strengthen its position as a key enabler of Shariah-compliant digital banking infrastructure with the deployment of its As-Sidq digital commodity trading platform within ATLAS by Bank Muamalat Malaysia Berhad. The implementation extends As-Sidq's reach across a growing network of financial institutions and digital platform players that have adopted it as their Shariah compliant transactional backbone. As Islamic financial institutions accelerate their digital transformation, demand is growing for Shariah-compliant infrastructure that is purpose-built for digital banking, where Shariah governance and operational integrity are inseparable from the digital experience itself—not layered on top of it. As-Sidq was built for exactly that shift. The platform enables Tawarruq-based deposit and financing transactions to be executed through digital commodities, allowing institutions to operate at scale without reliance on legacy systems. “Digital Islamic banking must be uniquely designed from the ground up, with Shariah principles embedded directly into the infrastructure powering the experience," said Khairul Nisa Ismail, Chief Executive Officer of SASC. “As financial institutions scale their digital ambitions, As-Sidq enables them to support Shariah compliant transactions with greater confidence, operational efficiency and governance assurance.” “Selecting infrastructure partners for a regulated Islamic banking environment is not a decision taken lightly,” said Hazrizal Hassan, Director of Digital Banking at Bank Muamalat Malaysia Berhad. “Every touchpoint carries a compliance obligation, and the transactional layer is where the integrity of the entire proposition rests. As-Sidq gave us the governance assurance we needed at that layer — and the operational confidence to scale on top of it. As ATLAS was built as a fully digital Islamic banking platform, integration with As-Sidq also supports the responsiveness and operational continuity expected in our digital banking environment.” SASC recently introduced As-Sidq 2.0, unveiled at the Malaysia Islamic Finance and Investment Forum (MAIFF) 2026. The upgraded platform delivers enhanced transaction processing capabilities and a more intuitive operational experience reducing friction for institutions managing Shariah-compliant transactions at scale An independent audit affirms the platform's governance standards and operational robustness, giving financial institutions the assurance they need when selecting infrastructure partners for regulated environments. As Islamic financial institutions accelerate their shift toward digital banking, the infrastructure decisions they make today will shape the integrity of their offerings tomorrow. Digital commodity trading platforms like As-Sidq are underpinning Islamic digital banking built on foundations that are inherently Shariah-compliant, rather than conventional processes adapted for digital channels. As more financial institutions and non-traditional players enter the space, SASC expects demand for purpose-built Islamic digital banking infrastructure to continue growing across the region. -END- About SEDANIA As Salam Capital Sdn Bhd (“SASC”) SASC is an Islamic fintech company specialising in ethical and Shariah-compliant digital financing solutions. Through its technology platforms and governance frameworks, SASC enables digital platforms and financial institutions to deliver transparent, responsible, and inclusive financing products aligned with Islamic principles. About SEDANIA Innovator Berhad (“SIB”) SIB is an investment holding company focused on sustainability-enabling businesses. Since its listing on the ACE Market of Bursa Malaysia, the Group has evolved into a purpose-led consumer wellness and sustainability ecosystem spanning sustainable consumer products, wellness, manufacturing, and technology-enabled financial solutions. The Group’s core businesses include Offspring, Tanamera, FA Herbs, and SEDANIA As Salam Capital. Offspring supports safer beginnings for families through conscious baby care and modern family wellness solutions, while Tanamera brings restorative wellness rooted in Asian traditions to consumers across regional and global markets. SEDANIA As Salam Capital continues advancing financial inclusion through digital financing and Shariah - compliant solutions, including As Sidq and the GoHalal Financing Programme, designed to improve accessibility and economic participation for underserved communities. Together, these businesses reflect SEDANIA’s mission of Improving Lives Sustainably. Log onto www.sedaniagroup.com to find out more about our sustainable innovations and offerings. About Bank Muamalat Malaysia Berhad (Bank Muamalat): Bank Muamalat is a leading Islamic bank committed to providing “Better lives, together” though innovative financial solutions aligned with Shariah principles. With a dedication to create positive change in the financial industry and strong focus on customer satisfaction, Bank Muamalat offers a wide range of products and services tailored to individuals, businesses, and institutions. About ATLAS by Bank Muamalat ATLAS is the digital banking platform by Bank Muamalat Malaysia Berhad, designed to deliver a seamless, Shariah-compliant financial experience integrated with lifestyle and rewards. For any media inquiries related to Bank Muamalat, please contact: Mohd Nazrul Hafizi | mohd.nazrul.hafizi@muamalat.com.my | +6017 921 1384 Hawa Ali | siti.norhawa@muamalat.com.my | +6019 239 2077

SFinancing-i is currently available to a select group of users, with plans to expand access in the future SeaMoney has launched SFinancing-i, a new Shariah-compliant financing service available through its Shopee app. This move was made possible through its partnership with SEDANIA As Salam Capital and Masyref Advisory. This service offers users access to financing within 24 hours of activation, with disbursement limits of up to RM20,000 and payment periods ranging from 3 to 24 months. Individual user limits and tenure availability are determined based on internal risk and credit assessments. SFinancing-i was developed with the expertise of SEDANIA As Salam Capital as the digital commodity platform provider and Masyref Advisory as the Shariah advisor. The service utilises a commodity murabahah arrangement, ensuring adherence to Shariah principles. SEDANIA As Salam Capital also brings its commitment to sustainability to the partnership, utilizing digital practices to minimize environmental impact. Currently, SFinancing-i is available to a select group of whitelisted users, with plans to expand access in the future. To learn more about the application process and fee structure for SFinancing-i, interested users can visit the Shopee website. Khairul Nisa Ismail, CEO of SEDANIA As Salam Capital said, “Through our partnership with SeaMoney, Shopee users can transact with confidence, knowing their financing is supported by a fully digital commodity platform adhering to Shariah principles via a commodity murabaha arrangement. This collaboration not only strengthens Shariah compliant financial services available on Shopee, but also highlights our dedication to empowering FSIs with innovative, compliant offerings that serve the community effectively.” Khairil Anuar, Principal of Masyref Advisory, added, “Our role as the Shariah advisor ensures that the financing solutions provided are not only compliant with Islamic principles but also tailored to meet the unique needs of the market. With our extensive experience in Shariah advisory and Islamic product development, we are committed to supporting innovative financial solutions that uphold the high standards of Shariah compliance.” This initiative follows Shopee’s earlier introduction of SLoan, a personal loan service launched in February 2023 . Source: https://fintechnews.my/47116/fintech-lending-malaysia/shariah-financing-shopee/

GoHalal Financing Programme Stengthens Economic Inclusion and Unlocks Growth for a 3 Million-Strong Workforce KUALA LUMPUR, 6 November 2025 – SEDANIA As Salam Capital (“SASC”), a subsidiary of SEDANIA Innovator Berhad, continues to strengthen its leadership in Islamic fintech with the GoHalal Financing Programme (GHP) – a Shariah-compliant ecosystem designed to scale financial inclusion for Malaysia’s fast-growing gig economy. With nearly RM2 billion disbursed , the GoHalal Financing Programme is redefining how financial access is delivered to underserved communities. Through partnerships with major digital platforms, SEDANIA’s fintech arm enables embedded, fully Shariah-compliant microfinancing that enhances income stability and empowers individuals driving the digital economy. Malaysia’s gig workforce now exceeding three million individuals – represents one of the country’s fastest-growing economic contributors. By integrating ethical finance within digital ecosystems, SEDANIA is turning inclusion into an economic growth engine that benefits individuals, partners, and the broader economy. Reimagining Islamic Microfinance through Meta Financing At the core of SEDANIA’s innovation is a model known as Meta Financing – the seamless integration of technology, Shariah governance, and socioeconomic impact into one frictionless ecosystem. Powered by SEDANIA’s proprietary As-Sidq Tawarruq digital trading platform , GoHalal allows digital partners to embed Islamic financial products directly into their systems. Every transaction is automated, transparent, and compliant in real time – redefining efficiency in Shariah-based financing. SEDANIA remains the only Islamic fintech provider in Malaysia  leveraging airtime as an underlying digital commodity, enabling 24/7 transactions and instant documentation – a distinctive edge in delivering scalable and transparent financial access across institutional and retail segments. Driving Financial Inclusion, Ethically Since inception, the GoHalal Financing Programme has facilitated nearly RM2 billion in cumulative financing , empowering gig workers, small traders, and independent earners nationwide. The initiative aligns with SEDANIA’s corporate purpose of “Improving Lives Sustainably”, turning ethical finance into measurable socioeconomic outcomes through responsible lending, financial literacy, and equitable access to capital. Governance as a Growth Multiplier SEDANIA’s fintech model is anchored by a robust Shariah governance framework chaired by Professor Dato’ Dr. Aznan Hasan, a leading authority in Islamic finance. Every product and process under the GoHalal umbrella is designed with Shariah integrity as its foundation – reinforcing trust, transparency, and investor confidence. This commitment to ethical innovation has once again earned SEDANIA As Salam Capital the title of “ IFN Best Islamic Technology Provider ” at the IFN Service Providers Poll 2025, underscoring its leadership in Islamic fintech advancement. Leadership Commentary Pn. Khairul Nisa Ismail , Chief Executive Officer of SEDANIA As Salam Capital, said: “At Sedania As Salam Capital, we believe that financial empowerment must be both inclusive and principled. The GoHalal Financing Programme is more than a fintech innovation – it is an ecosystem that redefines access to capital for the underserved, guided by Shariah values and powered by technology. As we continue to serve and expand within Malaysia’s growing gig economy – a community of three million individuals and growing — our success demonstrates that ethical finance can be both scalable and sustainable, with significant potential to drive long-term socioeconomic growth.” Datuk Azrin Mohd Noor , Founder and Group Managing Director of SEDANIA Innovator Berhad, added: “At SEDANIA, we’re proud to see Malaysia’s gig and digital economy thriving – a clear reflection of the nation’s entrepreneurial strength and adaptability. Yet beyond these moments of commercial success, we recognise that the people powering this economy often face financial volatility between demand cycles. That’s where our GoHalal ecosystem delivers real meaning – enabling access to Shariah compliant, responsible financing that empowers those who drive Malaysia’s everyday economy.” Positioned for Sustainable Growth With a robust digital infrastructure, trusted governance, and expanding institutional adoption, SEDANIA As Salam Capital is well-positioned to capture the next wave of Islamic fintech growth across Southeast Asia. By uniting faith, finance, and technology, SEDANIA continues to transform ethical innovation into tangible value – for individuals, investors, and the regional economy alike.

Watch exclusive interviews between Nisa Ismail, the CEO of Sedania As Salam Capital Sdn Bhd (SASC) with Niaga Spotlight, discussing the latest developments in Financial Inclusion through FinTech to address socioeconomic disparities, particularly in rural regions. Watch the interview here!

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