8. FINANCING, ADVANCES AND OTHERS (CONTINUED) (a) By type and Shariah contract (continued) Group and Bank 2020 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 Ar-Rahnu RM’000 Total RM’000 At amortised cost Cash line – – – 1,465 1,287,126 – – – 1,288,591 Term financing House financing 3,238,398 – – – 18,280,073 – 45,780 – 21,564,251 Syndicated financing – – – – 1,459,016 – – – 1,459,016 Leasing financing – – – – – 114,300 – – 114,300 Bridging financing – – – – – – 47,380 – 47,380 Personal financing – – – 5,256 16,816,181 – – – 16,821,437 Other term financing 487,567 1,411,820 – 15 10,736,190 – 1,119 – 12,636,711 Staff financing 46,367 15,847 – – 307,861 – 7,584 – 377,659 Credit cards – – – – 447,471 – – – 447,471 Trade bills discounted – 631,567 31,221 3,034 164,888 – – – 830,710 Trust receipts – 5,584 5 – – – – – 5,589 Pawn broking – – – – – – – 5,481 5,481 3,772,332 2,064,818 31,226 9,770 49,498,806 114,300 101,863 5,481 55,598,596 Allowance for impairment on financing, advances and others – Stage 1 (653,983) – Stage 2 (151,446) – Stage 3 (122,532) Net financing, advances and others 54,670,635 ^ 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. INTEGRATED ANNUAL REPORT 202 1 Key Messages Overview Value Creation MD&A Sustainability Leadership Accountability Financial Additional Information 269
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