8. FINANCING, ADVANCES AND OTHERS (CONTINUED) (a) By type and Shariah contract (continued) Bank 2024 Bai’ Bithaman Ajil RM’000 Murabahah RM’000 Bai’ Al-Dayn RM’000 AtTawarruq RM’000 Ijarah Muntahiah BitTamleek^ RM’000 Istisna’ RM’000 Total RM’000 Cash line – – – 1,712,671 – – 1,712,671 Term financing Home financing 2,226,888 – – 26,083,132 – 31,493 28,341,513 Syndicated financing – – – 902,598 – – 902,598 Leasing financing – – – – 184,303 – 184,303 Personal financing – – – 21,542,143 – – 21,542,143 Other term financing 117,928 2,342,722 – 12,698,497 – 694 15,159,841 Staff financing 25,853 30,979 – 636,584 – 3,935 697,351 Credit cards – – – 584,410 – – 584,410 Trade bills discounted – 676,291 73,211 146,014 – – 895,516 Trust receipts – 5,047 – – – – 5,047 Pawn broking – – – 206,517 – – 206,517 2,370,669 3,055,039 73,211 64,512,566 184,303 36,122 70,231,910 Allowance for impairment on financing, advances and others – Stage 1 (259,425) – Stage 2 (212,693) – Stage 3 (265,040) Net financing, advances and others 69,494,752 ^ Assets funded under Ijarah financing are owned by the Bank 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. 323 w w w . b a n k i s l a m. c o m 01 02 03 04 05 06 07 08 FINANCIAL STATEMENTS 09
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