Bank Islam Integrated Annual Report 2020

8. FINANCING, ADVANCES AND OTHERS (CONTINUED) (a) By type and Shariah contract (continued) Group and Bank 2019 Bai’ Bithaman Ajil RM’000 Murabahah RM’000 Bai’ Al-Dayn RM’000 Bai’ Al-Inah RM’000 At- Tawarruq RM’000 Ijarah Muntahiah Bit- Tamleek^ RM’000 Istisna’ RM’000 Ar-Rahnu RM’000 Total RM’000 At amortised cost Cash line – – – 1,497 1,429,391 – – – 1,430,888 Term financing House financing 3,422,625 – – – 16,194,868 – 47,072 – 19,664,565 Syndicated financing – – – – 1,032,250 – – – 1,032,250 Leasing financing – – – – – 111,653 – – 111,653 Bridging financing – – – – – – 52,122 – 52,122 Personal financing – – – 6,680 14,614,052 – – – 14,620,732 Other term financing 721,670 1,290,035 – 24 9,591,672 – 1,130 – 11,604,531 Staff financing 52,414 10,872 – – 179,838 – 8,372 – 251,496 Credit cards – – – – 492,829 – – – 492,829 Trade bills discounted – 772,494 113,840 – – – – – 886,334 Trust receipts – 5,269 – 193 – – – – 5,462 Pawn broking – – – – – – – 71,107 71,107 4,196,709 2,078,670 113,840 8,394 43,534,900 111,653 108,696 71,107 50,223,969 Allowance for impairment on financing, advances and others – Stage 1 (431,135) – Stage 2 (148,115) – Stage 3 (172,197) Net financing, advances and others 49,472,522 ^ Assets funded under Ijarah financing are owned by the Bank throughout the tenure of the Ijarah financing and ownership of the assets will be transferred to customer at the end of financing tenure for a token consideration or other amount as specified in the Ijarah financing contract. Notes to the financial statements for the financial year ended 31 December 2020 226 Financ ial Statement s Accountabi l i t y Addi t ional Informat ion