17. 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 (%) 2022 Unrestricted investment accounts: Less than 3 months – Mudharabah 7,313,658 2 0.36 – – Wakalah 1,896,394 – 2.44 1.78 9,210,052 Between 3 to 12 months – Wakalah 5,268,928 – 2.63 1.60 Between 1 to 2 years – Wakalah 85,982 – 2.20 2.03 5,354,910 14,564,962 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 1,456,461 – 1.94 1.77 8,112,098 Between 3 to 12 months – Wakalah 2,431,471 – 2.30 1.40 Between 1 to 2 years – Wakalah 18,032 – 1.59 2.12 2,449,503 10,561,601 Restricted investment accounts: Between 2 to 5 years 849 – 0.56 6.79 Notes to the financial statements for the financial year ended 31 December 2022 Integrated Report 2022 306
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