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                 Our Performance   Sustainability Statement  Governance        Our Numbers         Other Information















                       Total  financing  rM’000   304,943   4,506,168   553,402  576,686   3,419,926  3,615,169  76,273   1,036,291  98,645   1,607,595  170,293   15,965,391   47,689    16,013,080   (51,342)  (13,766)  (86,734)  15,861,238


                       rahnu  (qard)   rM’000    -    -    -    -    -    -    -    -    -    -    170,293     170,293    -     170,293    (3,165)   -    (536)   166,592


                         kafalah  Mutanaqisah   rM’000    -    -    -    80,025    -    -    -    -    -    -    -    80,025    -    80,025    -    -    -    80,025
                       Shirkah  rM’000    -    -    -    -    -    58,532    -    -    -    -    -    58,532    -     58,532    -    -    -    58,532





                         qard   rM’000    -    -    -    -    -    286    -    -    114    -    -    400    -    400    -    -    -    400



                         Istisna’   rM’000    -    9,996     -    -    -    56,552    -    -    -    -    -    66,548    -    -    66,548    (148)   (9)   (71)   66,320


                         Murabahah   rM’000   -    -     -    -    -    -    39,252    905,152    -    -    -    944,404    944,404    (840)   (482)   (7,715)   935,367


                         Al-Dayn                            168,160                168,010  Included in other term financing is a financing at fair value through profit or loss amounting RM806,507,439 which mainly consists of hedged assets that are hedged against Islamic profit rate swap.
                       Bai’  rM’000    -    -    -    -    -    -    37,021    131,139    -    -     -    -    168,160    (150)    -    -


                         Tawarruq   rM’000    300,779    2,807,669    553,402    -    3,357,488    3,311,783    -    -    60,831    1,607,595    -    11,999,547    47,689     12,047,236    (45,410)   (10,473)   (59,261)   11,932,092


                         Inah   rM’000    4,164    -    -    -    155    5    -    -    -    -    -    4,324    -     4,324    (76)   (76)   (228)    3,944


                     Ijarah  Bai’  Thumma  Bithaman  Al-Bai   Ajil   rM’000    rM’000    -    -    -    1,688,503    -    -    408,059    88,602    -    62,283    -    188,011    -    -    -    -    -    37,700    -    -   -    -     408,059    2,065,099    -    -     408,059    2,065,099    (623)   (930)   (62)   (2,664)   (1,938)    (16,985)    405,436    2,044,520



                  By type and Shariah concepts (cont’d.)  Syndicated financing   Hire purchase receivables   Personal financing   Other term financing*   under acceptance credits   Fair value changes arising   from fair value hedge   Less : Allowance for impaired financing  Stage 1 - 12 Months ECL  Stage 2 - Lifetime ECL not credit impaired  Stage 3 - Lifetime ECL credit impaired
              FINANCING OF CuSTOMErS (CONT’D.)


















                  (i)    Group   31 December 2019   Cash line   financing:  Term  Home financing               Trust receipts   Claims on customers   Staff financing   Revolving credit   Ar-Rahnu   Total gross financing                 At amortised cost    -     -     -   Total net financing   *

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