Page 13 - Bank-Muamalat-AR2020

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Our Performance Sustainability Statement Our Governance Our Numbers Other Information

FINANCING BY ISLAMIC CONTRACT

FY2019 FY2020
Tawarruq 75.23% 79.46%
Bai’ Bithaman Ajil 12.90% 10.48%
Murabahah 5.90% 5.20%
Ijarah Thumma Al-Bai 2.55% 1.73%
Murabahah to the Purchase
Orderer 0.49% 1.31%
FY2019 FY2020 Bai’ Al-Dayn 1.05% 1.01%
Shirkah Mutanaqisah 0.37% 0.42%
Istisna’ 0.42% 0.27%
Ar-Rahnu 1.06% 0.10%
Inah 0.03% 0.02%

Note:
1. BBA, Inah & Istisna’- Contracts are for existing financing
yet to mature.
2. Ar–Rahnu (Qard) - Transition of Shariah contract from Qard
to Tawarruq (w.e.f. February 2020).
3. AITAB - Transition of Shariah contract from AITAB to
Murabahah to Purchase Orderer (w.e.f. April 2019).

FINANCING BY PRODUCT

FY2019 FY2020
Home Financing 28.14% 26.58%
Personal Financing 21.36% 24.00%
Other Term Financing 22.58% 21.12%
Revolving Credit 10.04% 9.80%
Claims on Customers Under
Acceptance Credits 6.47% 5.70%
FY2019 FY2020 Hire Purchase Receivables 3.60% 3.48%
Cash Line 1.90% 3.11%
Syndicated Financing 3.46% 3.01%
Ar-Rahnu 1.06% 1.66%
Staff Financing 0.62% 0.53%
Trust Receipts 0.48% 0.51%
Others 0.29% 0.50%