Page 15 - Bank-Muamalat_Annual-Report-2023

ANNUAL REPORT 2023
OVERVIEW

Financing by Islamic Contract

5 6 5 6 FY2023 FY2022
4 7 4 7
1 Tawarruq 84.96% 84.25%
3 8 3 8 Murabahah to the Purchase 4.95% 2.97%
1 1 2
2 2 Orderer
3 Bai’ Bithaman Ajil 4.51% 5.95%
4 Murabahah 4.03% 4.76%
5 Bai’ Al-Dayn 1.02% 1.13%
FY2023 FY2022 6 Ijarah Thumma Al-Bai' 0.31% 0.60%

7 Shirkah Mutanaqisah 0.19% 0.30%
8 Istisna’ 0.03% 0.04%
9 Inah 0% 0%
10 Qard 0% 0%

4 4
1 FY2023 FY2022
1
1 Home financing 29.12% 25.39%
3 3
2 Personal financing 28.43% 28.30%
Tawarruq Tawarruq
financing financing 3 Other term financing 14.80% 18.17%
split split 4 Others 12.60% 12.39%

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2

Financing by Product

FY2023 FY2022
9 10 9 10
8 11 8 11 1 Home financing 33.03% 30.45%
7 12 7 12 2 Personal financing 28.53% 28.43%
6 1 6 1 3 Other term financing 15.33% 18.96%
5 5 4. Revolving credit 7.29% 6.84%
4
4 4 5. Hire purchase receivables 5.40% 3.79%
5
6 Claims on customers under 4.73% 5.11%
acceptance credits
FY2023 FY2022
7 Syndicated financing 1.91% 2.29%
8 Cash line 1.69% 1.68%
9 Ar-Rahnu 1.28% 1.25%
10 Trust receipts 0.31% 0.78%

3 2 3 2 11 Staff financing 0.28% 0.35%
12 Credit Card 0.21% 0.05%

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