BIMB Integrated Annual Report 2017

19. INVESTMENT ACCOUNTS OF CUSTOMERS (CONTINUED) (d) By maturity structures, profit sharing ratio and rate of return INVESTMENT ACCOUNT HOLDERS BANK ISLAM’S WAKALAH AVERAGE PERFOR- PROFIT AVERAGE MANCE TOTAL SHARING RATE OF INCENTIVE AMOUNT RATIO RETURN FEE RM’000 (%) (%) (%) 2017 Unrestricted investment accounts: Less than 3 months – Mudharabah 1,994,491 2 0.11 – – Wakalah 938,830 – 3.69 1.45 2,933,321 Between 3 to 12 months – Wakalah 1,036,023 – 3.72 1.42 3,969,344 Restricted investment accounts: Less than 2 years 10,000 – 6.30 0.30 Between 2 to 5 years 114,384 – 3.52 1.88 124,384 2016 Unrestricted investment accounts: Less than 3 months – Mudharabah 1,516,844 2 0.13 – – Wakalah 1,863,040 – 3.61 1.27 3,379,884 Between 3 to 12 months – Wakalah 193,987 – 3.72 1.16 3,573,871 Restricted investment accounts: Between 2 to 5 years 141,343 – 3.00 1.18 20. DEPOSITS AND PLACEMENTS OF BANKS AND OTHER FINANCIAL INSTITUTIONS 2017 2016 RM’000 RM’000 Non-Mudharabah fund Licensed Islamic banks – 30,000 NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2017 218 BIMB HOLDINGS BERHAD Integrated Annual Report 2017