18. INVESTMENT ACCOUNTS OF CUSTOMERS (CONTINUED) (d) By maturity structures, profit sharing ratio and rate of return Group Investment account holders Total amount RM’000 Average profit sharing ratio (%) Average rate of return (%) Bank’s wakalah fee (%) 2024 Unrestricted investment accounts: Less than 3 months – Mudharabah 10,243,945 2 1.29 – – Wakalah 2,114,946 – 3.62 0.87 12,358,891 Between 3 to 12 months – Wakalah 4,445,612 – 3.90 0.59 Between 1 to 2 years – Wakalah 1,813,737 – 3.80 0.68 6,259,349 18,618,240 2023 Unrestricted investment accounts: Less than 3 months – Mudharabah 9,640,398 2 1.23 – – Wakalah 2,679,528 – 3.57 1.17 12,319,926 Between 3 to 12 months – Wakalah 3,609,364 – 3.78 0.96 Between 1 to 2 years – Wakalah 1,143,866 – 2.73 2.01 4,753,230 17,073,156 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 348 Notes to the Financial Statements for the financial year ended 31 December 2024
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