8. FINANCING, ADVANCES AND OTHERS (a) By type and Shariah contract Group and Bank 2021 Bai’ Bithaman Ajil RM’000 Murabahah RM’000 Bai’ Al-Dayn RM’000 Bai’ Al-Inah RM’000 AtTawarruq RM’000 Ijarah Muntahiah BitTamleek^ RM’000 Istisna’ RM’000 Total RM’000 Cash line - - - 484 1,429,002 - - 1,429,486 Term financing House financing 2,977,908 - - - 20,513,876 - 42,469 23,534,253 Syndicated financing - - - - 1,454,811 - - 1,454,811 Leasing financing - - - - - 96,020 - 96,020 Bridging financing - - - - - - 40,328 40,328 Personal financing - - - 3,734 18,071,544 - - 18,075,278 Other term financing 295,209 1,383,579 - 11,080,781 - 961 12,760,530 Staff financing 40,459 18,789 - - 398,071 - 6,553 463,872 Credit cards - - - - 445,839 - - 445,839 Trade bills discounted - 622,908 107,820 - 87,051 - - 817,779 Trust receipts - 4,415 - - - - - 4,415 Pawn broking - 95,124 - - - - - 95,124 3,313,576 2,124,815 107,820 4,218 53,480,975 96,020 90,311 59,217,735 Allowance for impairment on financing, advances and others – Stage 1 (487,308) – Stage 2 (303,998) – Stage 3 (272,660) Net financing, advances and others 58,153,769 ^ 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. BANK I SLAM MALAYS IA BERHAD NOTES TO THE FINANCIAL STATEMENTS for the financial year ended 31 December 2021 268
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