Page 244 - Full Book_24.4.2021

NOTES TO THE
FINANCIAL STATEMENTS

for the financial year ended 31 december 2020 (continUed)

19 INVESTMENT ACCOUNTS OF CUSTOMERS (CONTINUED)
(d) By maturity structures, profit sharing ratio and rate of return
Investment account holders
Average

profit Average Bank Islam’s
amount sharing rate of Wakalah
Total
inteGrated annUal rePort 2020 2020 5,113,275 2 0.25 –
ratio
fee
return
%
%
RM’000
%
Unrestricted investment accounts:
Less than 3 months
– Mudharabah
– Wakalah 2,545,284 – 2.44 1.84
7,658,559
Between 3 to 12 months
238
– Wakalah 4,334,994 – 3.03 1.24
Between 1 to 2 years
28,559
– Wakalah 12,022,112 – 3.23 1.04
bimb holdinGS berhad 199701008362 (423858-X) restricted investment accounts: 11,915 – 3.70 2.36

Between 2 to 5 years

2019
Unrestricted investment accounts:
Less than 3 months
– Mudharabah
0.34
– Wakalah 3,211,343 2 3.86 1.42 –
–
1,652,475
4,863,818
Between 3 to 12 months
– Wakalah 4,933,725 – 3.60 1.68
9,797,543

restricted investment accounts:
Between 2 to 5 years 35,062 – 2.83 0.75