Page 218 - Bank-Muamalat-AR2020

216 BANK MUAMALAT MALAYSIA BERHAD About Us Our Leadership Our Strategy
ANNUAL REPORT FY2020

Notes to the fiNaNcial statemeNts
31 December 2020 (16 JamaDil awal 1442h)

Total financing rM’000 570,093 4,866,083 550,719 636,810 4,392,975 3,866,355 92,978 1,044,298 97,283 1,794,063 304,536 18,216,193 91,113 18,307,306 (94,984) (8,561) (87,944) 18,115,817

rahnu (qard) rM’000 - - - - - - - - - - 17,504 17,504 - 17,504 (155) - (255) 17,094

Shirkah Orderer Mutanaqisah rM’000 - - - - - 76,757 - - - - - 76,757 - 76,757 - - - 76,757

Murabahah the to Purchase rM’000 - - - 240,256 - - - - - - - 240,256 - 240,256 (616) (4) - 239,636

qard rM’000 - - - - - 237 - - 105 - - 342 - 342 (4) - - 338

Istisna’ rM’000 - 9,600 - - - 39,048 - - - - - 48,648 - 48,648 (342) (8) (43) 48,255

Murabahah rM’000 - - - - - - 70,397 882,001 - - - 952,398 - 952,398 (705) (411) (1,812) 949,470

Al-Dayn Included in other term financing are financing at fair value through profit or loss amounting RM868,107,003 which mainly consists of hedged assets that are hedged against Islamic profit
Bai’ rM’000 - - - - - - 22,581 162,297 - - - 184,878 - 184,878 (212) (177) - 184,489

Tawarruq rM’000 566,558 3,276,125 550,719 - 4,334,639 3,583,927 - - 62,620 1,794,063 287,032 14,455,683 91,113 14,546,796 (90,064) (4,850) (67,349) 14,384,533 During the year, a total of RM46,212,464 million modification loss arising from payment moratorium is included and reduced from gross balances within the respective financing products.

Inah rM’000 3,535 - - - 27 1 - - - - - 3,563 - 3,563 (36) (400) (45) 3,082

Ijarah Thumma Al-Bai rM’000 - - - 317,223 - - - - - - - 317,223 - 317,223 (740) (42) (1,582) 314,859

Bithaman 1,580,358 1,918,941 1,918,941 (16,858) 1,897,304
Bai’ Ajil rM’000 - - 79,331 58,309 166,385 - - 34,558 - - - (2,110) (2,669)

FINANCING OF CuSTOMErS By type and Shariah concepts Group 31 December 2020 Cash line Term financing: Home financing Syndicated financing Hire purchase receivables Personal financing Other term financing* Trust receipts Claims on customers under acceptance credits Staff financing Revolving credit Ar-Rahnu Total gross financing ^ Fair value changes arising from fair value hedge Less : Allowance for impaired financing At amortised cost -

7. (i)