8. FINANCING, ADVANCES AND OTHERS (CONTINUED) (a) By type and Shariah contract (continued) Group and Bank 2022 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 – – – 280 1,436,808 – – 1,437,088 Term financing House financing 2,710,203 – – – 23,123,198 – 38,521 25,871,922 Syndicated financing – – – – 1,565,789 – – 1,565,789 Leasing financing – – – – – 81,238 – 81,238 Bridging financing – – – – – – 33,031 33,031 Personal financing – – – 2,188 19,834,524 – – 19,836,712 Other term financing 181,798 1,402,239 – – 13,675,552 – 884 15,260,473 Staff financing 35,137 20,709 – – 482,389 – 5,577 543,812 Credit cards – – – – 508,104 – – 508,104 Trade bills discounted – 539,190 89,410 – 20,388 – – 648,988 Trust receipts – 4,565 – – – – – 4,565 Pawn broking – – – – 150,135 – – 150,135 2,927,138 1,966,703 89,410 2,468 60,796,887 81,238 78,013 65,941,857 Allowance for impairment on financing, advances and others – Stage 1 (366,051) – Stage 2 (224,397) – Stage 3 (449,415) Net financing, advances and others 64,901,994 ^ 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. 304 Notes to the Financial Statements for the financial year ended 31 December 2023 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2023
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