18. INVESTMENT ACCOUNTS OF CUSTOMERS (CONTINUED) (d) By maturity structures, profit sharing ratio and rate of return (continued) Bank 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 2,117,088 – 3.62 0.87 12,361,033 Between 3 to 12 months – Wakalah 4,445,612 – 3.90 0.59 Between 1 to 2 years – Wakalah 1,814,498 – 3.80 0.68 6,260,110 18,621,143 2023 Unrestricted investment accounts: Less than 3 months – Mudharabah 9,640,398 2 1.23 – – Wakalah 2,696,293 – 3.57 1.17 12,336,691 Between 3 to 12 months – Wakalah 3,609,393 – 3.78 0.96 Between 1 to 2 years – Wakalah 1,146,510 – 2.73 2.01 4,755,903 17,092,594 349 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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