BIMB Integrated Annual Report 2017

9. FINANCING, ADVANCES AND OTHERS (CONTINUED) (a) By type and Shariah contract (continued) 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 2016 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 – – – 37,899 1,199,021 – – – – 1,236,920 Term financing House financing^ 4,484,247 – – – 9,503,014 – – 59,088 – 14,046,349 Syndicated financing – – – 196,129 1,045,889 – 123,189 – – 1,365,207 Leasing financing – – – – – 90,610 902 – – 91,512 Bridging financing – – – – – – – 82,313 – 82,313 Personal financing^ – – – 42,177 11,197,744 – – – – 11,239,921 Other term financing 2,086,188 933,316 – 4,063 7,106,669 – – 1,503 – 10,131,739 Staff financing 83,743 5,087 – – 98,821 – – 14,218 – 201,869 Credit cards – – – 9,004 450,388 – – – – 459,392 Trade bills discounted – 741,037 180,010 – – – – – – 921,047 Trust receipts – 5,169 – – – – – – – 5,169 Pawn broking – – – – – – – – 85,315 85,315 Investment Account Platform* – – – – 5,690 – – – – 5,690 6,654,178 1,684,609 180,010 289,272 30,607,236 90,610 124,091 157,122 85,315 39,872,443 Allowance for impaired financing, advances and others – collective assessment allowance (554,971) – individual assessment allowance (128,198) Net financing, advances and others 39,189,274 ^ Included in house financing and personal financing are underlying assets under the Unrestricted Investment Accounts (“URIA”) amounting to RM2,568,123,000 and RM1,005,748,000 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 198 BIMB HOLDINGS BERHAD Integrated Annual Report 2017