17. 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 (%) 2022 Unrestricted investment accounts: Less than 3 months – Mudharabah 7,313,658 2 0.36 – – Wakalah 1,872,865 – 2.44 1.78 9,186,523 Between 3 to 12 months – Wakalah 5,266,992 – 2.63 1.60 Between 1 to 2 years – Wakalah 7,924 – 2.20 2.03 5,274,916 14,461,439 Restricted investment accounts: Between 2 to 5 years 43 – 0.81 10.50 2021 Unrestricted investment accounts: Less than 3 months – Mudharabah 6,655,637 2 0.24 – – Wakalah 1,347,882 – 1.94 1.77 8,003,519 Between 3 to 12 months – Wakalah 2,431,471 – 2.30 1.40 Between 1 to 2 years – Wakalah 17,912 – 1.59 2.12 2,449,383 10,452,902 Restricted investment accounts: Between 2 to 5 years 849 – 0.56 6.79 Financial Statements 305 01 05 03 07 02 06 09 04 08 Bank Islam Malaysia Berhad
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