BIMB Integrated Annual Report 2019

19 INVESTMENT ACCOUNTS OF CUSTOMERS (a) By type and Shariah contract Group 2019 2018 RM’000 RM’000 Unrestricted investment accounts Without maturity: Mudharabah 3,211,343 2,594,846 - Savings 2,880,046 2,413,645 - Demands 331,297 181,201 With maturity: Wakalah 6,586,200 2,442,807 9,797,543 5,037,653 Restricted investment accounts (“RIA”) managed by Bank Islam ^ With maturity: Wakalah 35,062 78,717 ^ Included in RIA managed by Bank Islam is an arrangement between Bank Islam and its ultimate holding entity where Bank Islam acts as the investment agent to manage and administer the RIA with underlying assets amounting to RM35,062,000 (2018: RM78,285,000). (b) By type of customer Group 2019 2018 RM’000 RM’000 Government and statutory bodies 3,747,895 767,996 Business enterprises 769,038 507,160 Individuals 3,448,415 2,674,428 Non-bank financial institutions 1,739,850 1,036,107 International Islamic Bank 10,001 2,400 Others 82,344 49,562 9,797,543 5,037,653 NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 236 Integrated Annual Report 2019 Group Overview Sustaining The Group Management Discussion & Analysis Group Governance