17. INVESTMENT ACCOUNTS OF CUSTOMERS (CONTINUED) (d) By maturity structures, profit sharing ratio and rate of return Group Investment account holders Total amount RM’000 Average profit sharing ratio (%) Average rate of return (%) Bank’s wakalah fee (%) 2023 Unrestricted investment accounts: Less than 3 months – Mudharabah 9,640,398 2 0.36 – – Wakalah 2,679,528 – 3.57 1.17 12,319,926 Between 3 to 12 months – Wakalah 3,609,364 – 3.78 0.96 Between 1 to 2 years – Wakalah 1,143,866 – 2.73 2.01 4,753,230 17,073,156 Restricted investment accounts: Between 2 to 5 years – – – – 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 10.50 326 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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