Page 257 - Bank-Muamalat-Annual-Report-2021

ANNUAL REPORT 2021 255
SUSTAINABILITY STATEMENT OUR GOVERNANCE OUR NUMBERS OTHER INFORMATION

18. INvesTMeNT AccOuNTs Of cusTOMeRs

(i) Investment account analysed by maturity portfolio are as follows:
Group Bank
2021 2020 2021 2020
rM’000 rM’000 rM’000 rM’000

unrestricted investment accounts:
Mudarabah
Without maturity
- Savings 216,978 - 216,978 -

Restricted investment accounts:
Mudarabah
Maturity
- within one year 132 - 132 -

Restricted investment account (“RIA”) is an arrangement between the Bank and investment account holders (“IAH”)
where the Bank acts as the investment agent to manage and administer the RIA and its underlying assets. RIA amounting
to RM132,000 (2020: RM nil) is accounted for as off balance sheet as the Bank has passed its rights and obligations in
respect of the assets related to the RIA or the residual cash flows from those assets to the IAH.

(ii) By types of customer are as follows:
Group Bank
2021 2020 2021 2020
rM’000 rM’000 rM’000 rM’000

unrestricted investment accounts:
Individuals 216,978 - 216,978 -

216,978 - 216,978 -

Restricted investment accounts:
Individuals 132 - 132 -

132 - 132 -