BIMB Integrated Annual Report 2019

8 FINANCING, ADVANCES AND OTHERS (a) By type and Shariah contract Bai’ Ijarah Ijarah Bithaman Bai Bai Muntahiah Thumma Group Ajil Murabahah Al-Dayn Al Inah At-Tawarruq Bit-Tamleek^ Al-Bai^ Istisna’ Ar-Rahnu Total 2019 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 At amortised cost Cash line – – – 1,497 1,429,391 – – – – 1,430,888 Term financing: House financing 3,422,625 – – – 16,194,868 – – 47,072 – 19,664,565 Syndicated financing – – – – 1,032,250 – – – – 1,032,250 Leasing financing – – – – – 111,653 – – – 111,653 Bridging financing – – – – – – – 52,122 – 52,122 Personal financing – – – 6,680 14,614,052 – – – – 14,620,732 Other term financing 721,670 1,290,035 – 24 9,591,672 – – 1,130 – 11,604,531 Staff financing 52,414 10,872 – – 179,838 – – 8,372 – 251,496 Credit cards – – – – 492,829 – – – – 492,829 Trade bills discounted – 772,494 113,840 – – – – – – 886,334 Trust receipts – 5,269 – 193 – – – – – 5,462 Pawn broking – – – – – – – – 71,107 71,107 4,196,709 2,078,670 113,840 8,394 43,534,900 111,653 – 108,696 71,107 50,223,969 Allowance for impairment on financing, advances and others – Stage 1 (431,135) – Stage 2 (148,115) – Stage 3 (172,197) Net financing, advances and others 49,472,522 ^ 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 contract. NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 215 BIMB HOLDINGS BERHAD 199701008362 (423858-X) Shareholders’ Information Financial Statements Additional Information Disclosure Summary