Bank Islam Integrated Annual Report 2023

17. INVESTMENT ACCOUNTS OF CUSTOMERS (CONTINUED) (d) By maturity structures, profit sharing ratio and rate of return (continued) Bank 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 2,696,293 – 3.57 1.17 12,336,691 Between 3 to 12 months – Wakalah 3,609,393 – 3.78 0.96 Between 1 to 2 years – Wakalah 1,146,510 – 2.73 2.01 4,755,903 17,092,594 Restricted investment accounts: Between 2 to 5 years – – – – 2022 Unrestricted investment accounts: Less than 3 months – Mudharabah 7,313,658 2 0.36 – – Wakalah 1,896,394 – 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 10.50 327 1 2 3 4 5 6 7 8 9 www.bankislam.com FINANCIAL STATEMENTS

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