BIMB Integrated Annual Report 2017

9. FINANCING, ADVANCES AND OTHERS (a) By type and Shariah contract BAI’ IJARAH IJARAH BITHAMAN BAI BAI AT- MUNTAHIAH THUMMA GROUP AJIL MURABAHAH AL-DAYN AL-INAH TAWARRUQ BIT-TAMLEEK AL-BAI ISTISNA’ AR-RAHNU TOTAL 31 DECEMBER 2017 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 At amortised cost Cash line – – – 29,197 1,207,519 – – – – 1,236,716 Term financing House financing^ 4,127,474 – – – 11,981,534 – – 55,733 – 16,164,741 Syndicated financing – – – 44,968 578,156 – 108,570 – – 731,694 Leasing financing – – – – – 87,945 299 – – 88,244 Bridging financing – – – – – – – 76,622 – 76,622 Personal financing^ – – – 20,340 12,347,365 – – – – 12,367,705 Other term financing 1,532,421 1,130,377 – 3,429 7,558,287 – – 1,257 – 10,225,771 Staff financing 71,358 7,634 – – 134,660 – – 11,676 – 225,328 Credit cards – – – – 458,138 – – – – 458,138 Trade bills discounted – 819,992 186,433 – – – – – – 1,006,425 Trust receipts – 2,922 – – – – – – – 2,922 Pawn broking – – – – – – – – 87,222 87,222 Investment Account Platform* – – – – 14,408 – – – – 14,408 5,731,253 1,960,925 186,433 97,934 34,280,067 87,945 108,869 145,288 87,222 42,685,936 Allowance for impaired financing, advances and others – collective assessment allowance (446,069) – individual assessment allowance (126,447) Net financing, advances and others 42,113,420 ^ Included in house financing and personal financing are underlying assets under the Unrestricted Investment Accounts (“URIA”) amounting to RM2,982,183,000 and RM987,161,000 respectively as disclosed in Note 19 of these financial statements. * This represents a term financing of the Bank Islam’s participation through Investment Account Platform (“IAP”) to finance viable ventures. NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2017 197 Overview Value Creation Accountability Financial Statements Sustainability Performance Data Shareholders Information 21 st AGM Information Management Discussion & Analysis i St tement