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NOTES TO THE
            FINANCIAL STATEMENTS                                                                                          in retrospect



                                                                                                                          |
            for the financial year ended 31 december 2020 (continUed)
                                                                                                                          the Will to Suceed


                                                                                                                          |
                          Total  RM’000  1,288,591  21,564,251  1,459,016  114,300  47,380  16,821,437  12,636,711  377,659  447,471  830,710  5,589  5,481  55,598,596  (653,983)  (151,446)  (122,532)  54,670,635  achieving a leading repute




                          Ar-Rahnu   RM’000  –  –  –  –  –  –  –  –  –  –  –  5,481  5,481                                |





                          Istisna’   RM’000  –  45,780  –  –  47,380  –  1,119  7,584  –  –  –  –  101,863                Paving the Way for a Sustainable future





                     Ijarah  Muntahiah  Bit-Tamleek^   RM’000  –  –  –  114,300  –  –  –  –  –  –  –  –  114,300




                          Tawarrruq   RM’000  1,287,126  18,280,073  1,459,016  16,816,181  10,736,190  307,861  447,471  164,888  49,498,806
                        At-               –  –            –  –                                                         213



                          Al-Inah   RM’000  1,465  5,256  3,034  9,770                                                    adhering to the best Governance Practices
                        Bai          –  –  –  –  15  –  –  –  –                          assets funded under Ijarah financing are owned by bank islam throughout the tenure of the Ijarah financing and ownership of the assets  will be transferred to customer at the end of financing tenure for a token consideration or other amount as specified in the Ijarah financing



                          Al-Dayn   RM’000              31,221   31,226
                        Bai     –    –  –  –  –  –  –  –  –  5  –


                                                                                                                          |
                          Murabahah  Bithaman  Ajil   RM’000  RM’000  –  –  –  3,238,398  –  –  –  –  –  –  –  –  1,411,820  487,567  15,847  46,367  –  –  631,567  –  5,584  –  –  –  2,064,818  3,772,332  Laying the Foundation for Financial Growth



              FINANCING, ADVANCES AND OTHERS  By type and Shariah contract  term financing:    house financing     Syndicated financing     leasing financing     bridging financing     Personal financing     other term financing   Staff financing   credit cards   trade bills discounted   trust receipts   Pawn broking   allowance for impairment on financing, advances and others  net financing, advances and others   contract.  | additional information & disclosure Summary
                     Bai’










                                                                            – Stage 2
                                                                              – Stage 3
                                                                          – Stage 1
                                cash line
                          Group
                            2020
                                                                                         ^

                  (a)
                                                                                                                          |
                                                                                                                          24 th  aGm information
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