BIMB Integrated Annual Report 2019

8 FINANCING, ADVANCES AND OTHERS (continued) (a) By type and Shariah contract (continued) 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 2018 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 – – – 1,875 1,521,991 – – – – 1,523,866 Term financing: House financing 3,764,219 – – – 14,285,203 – – 51,490 – 18,100,912 Syndicated financing – – – 41,327 665,745 – 89,540 – – 796,612 Leasing financing – – – – – 106,520 35 – – 106,555 Bridging financing – – – – – – – 65,268 – 65,268 Personal financing – – – 10,178 13,755,492 – – – – 13,765,670 Other term financing 1,099,152 1,239,988 – 6,650 7,992,899 – – 1,194 – 10,339,883 Staff financing 60,777 9,322 – – 155,590 – – 9,846 – 235,535 Credit cards – – – – 477,602 – – – – 477,602 Trade bills discounted – 820,833 144,827 – – – – – – 965,660 Trust receipts – 10,113 – – – – – – – 10,113 Pawn broking – – – – – – – – 73,110 73,110 Investment Account Platform* – – – – 9,599 – – – – 9,599 4,924,148 2,080,256 144,827 60,030 38,864,121 106,520 89,575 127,798 73,110 46,470,385 Allowance for impairment on financing, advances and others - Stage 1 (416,450) - Stage 2 (129,402) - Stage 3 (243,853) Net financing, advances and others 45,680,680 * This represents a term financing of the Bank Islam’s participation through Investment Account Platform (“IAP”) to finance viable ventures. ^ 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) 216 Integrated Annual Report 2019 Group Overview Sustaining The Group Management Discussion & Analysis Group Governance