8. FINANCING, ADVANCES AND OTHERS (CONTINUED) (a) By type and Shariah contract (continued) Included in financing, advances and others are home financing, personal financing and non-retail financing that are used for the underlying assets of Unrestricted Investment Accounts (UA) and financing sold to Cagamas with recourse to the Group and the Bank. The details are as follows: Note Group Bank 2024 RM’000 2023 RM’000 2024 RM’000 2023 RM’000 Home financing Unrestricted Investment Accounts 18 10,572,340 9,955,287 10,572,485 9,956,259 Sold to Cagamas with recourse 20 1,503,796 2,004,329 1,503,796 2,004,329 12,076,136 11,959,616 12,076,281 11,960,588 Personal financing Unrestricted Investment Accounts 18 4,925,917 4,723,341 4,928,094 4,737,919 Non-retail financing 1,806,406 1,134,971 1,806,406 1,134,971 (b) By type of customer Group Bank 2024 RM’000 2023 RM’000 2024 RM’000 2023 RM’000 Domestic banking institutions 74 200,052 74 200,052 Domestic non-bank financial institutions 1,160,682 804,182 1,174,181 804,182 Domestic business enterprise 9,135,255 11,095,362 9,135,255 11,095,362 Small & medium enterprises 2,803,235 2,739,497 2,803,235 2,739,497 Government & statutory bodies 2,995,874 1,910,528 2,995,874 1,910,528 Individuals 53,924,216 50,718,810 53,924,216 50,718,810 Other domestic entities 15,331 18,008 15,331 18,008 Foreign entities 183,744 138,350 183,744 138,350 70,218,411 67,624,789 70,231,910 67,624,789 325 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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