Bank Muamalat helps devout Muslims manage money. Through more than 50 offices in Malaysia, the bank offers a range of financial services in compliance with Shariah (Islamic law). It offers consumer and business lending, savings accounts, remittance, and investment services as well as trade financing, offshore banking, and foreign exchange. The bank also helps Muslims meet their zakat (charitable giving) obligations by setting up accounts and providing calculators for that purpose. Bank Muamalat was formed in 1999 from the Islamic banking components of the then Bank Bumiputra, Bank of Commerce Malaysia, and BBMB Kewangan. Conglomerate DRB-HICOM owns 70% of the bank while Khazanah Nasional owns 30%.