Bank Islam Integrated Annual Report 2020

16. INVESTMENT ACCOUNTS OF CUSTOMERS (CONTINUED) (d) By maturity structures, profit sharing ratio and rate of return (continued) Total amount RM’000 Investment account holders Bank 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 28,928 – 3.23 1.04 4,365,990 12,368,897 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 Notes to the financial statements for the financial year ended 31 December 2020 246 Financ ial Statement s Accountabi l i t y Addi t ional Informat ion