Bank Islam Integrated Annual Report 2020

16. INVESTMENT ACCOUNTS OF CUSTOMERS (CONTINUED) (d) By maturity structures, profit sharing ratio and rate of return Total amount RM’000 Investment account holders Group Average profit sharing ratio (%) Average rate of return (%) Bank’s wakalah fee (%) 2020 Unrestricted investment accounts: Less than 3 months – Mudharabah 5,113,275 2 0.25 – – Wakalah 2,889,632 – 2.44 1.84 8,002,907 Between 3 to 12 months – Wakalah 4,337,062 – 3.03 1.24 Between 1 to 2 years – Wakalah 28,559 – 3.23 1.04 4,365,621 12,368,528 Restricted investment accounts: Between 2 to 5 years 11,915 – 3.70 2.36 2019 Unrestricted investment accounts: Less than 3 months – Mudharabah 3,211,343 2 0.34 – – Wakalah 1,679,479 – 3.86 1.42 4,890,822 Between 3 to 12 months – Wakalah 5,349,551 – 3.60 1.68 10,240,373 Restricted investment accounts: Between 2 to 5 years 35,062 – 2.83 0.75 BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 245