8. FINANCING, ADVANCES AND OTHERS (a) By type and Shariah contract Group and Bank 2023 Bai’ Bithaman Ajil RM’000 Murabahah RM’000 Bai’ Al-Dayn RM’000 AtTawarruq RM’000 Ijarah Muntahiah BitTamleek^ RM’000 Istisna’ RM’000 Total RM’000 Cash line – – – 1,512,926 – – 1,512,926 Term financing House financing 2,449,530 – – 24,568,611 – 35,525 27,053,666 Syndicated financing – – – 1,049,780 – – 1,049,780 Leasing financing – – – – 127,324 – 127,324 Bridging financing – – – – – 2,074 2,074 Personal financing – – – 20,284,237 – – 20,284,237 Other term financing 142,781 1,797,505 – 13,586,508 – 812 15,527,606 Staff financing 29,867 24,074 – 559,185 – 4,756 617,882 Credit cards – – – 544,179 – – 544,179 Trade bills discounted – 622,819 69,839 35,244 – – 727,902 Trust receipts – 8,003 – – – – 8,003 Pawn broking – – – 169,210 – – 169,210 2,622,178 2,452,401 69,839 62,309,880 127,324 43,167 67,624,789 Allowance for impairment on financing, advances and others – Stage 1 (302,306) – Stage 2 (282,324) – Stage 3 (223,044) Net financing, advances and others 66,817,115 ^ 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. 303 1 2 3 4 5 6 7 8 9 www.bankislam.com FINANCIAL STATEMENTS
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