BIMB Integrated Annual Report 2017

22. TAKAFUL LIABILITIES (CONTINUED) (a) Takaful contract liabilities (continued) (i) Provision for outstanding claims The provision for outstanding claims and its movements are further analysed as follows: 2017 GROSS RETAKAFUL NET NOTE RM’000 RM’000 RM’000 Family Takaful Provision for claims reported by participants 28,171 (4,664) 23,507 Provision for IBNR* 119,775 (27,311) 92,464 Provision for outstanding claims 147,946 (31,975) 115,971 General Takaful Provision for claims reported by participants 224,950 (139,243) 85,707 Provision for IBNR* 172,238 (83,586) 88,652 Provision for outstanding claims 397,188 (222,829) 174,359 Note 46(b) Group Provision for claims reported by participants 45.5(b) 253,121 (143,907) 109,214 Provision for IBNR* 292,013 (110,897) 181,116 Provision for outstanding claims 545,134 (254,804) 290,330 Note 11 2016 GROSS RETAKAFUL NET NOTE RM’000 RM’000 RM’000 Family Takaful Provision for claims reported by participants 24,435 (2,292) 22,143 Provision for IBNR* 150,654 (21,178) 129,476 Provision for outstanding claims 175,089 (23,470) 151,619 General Takaful Provision for claims reported by participants 234,840 (148,013) 86,827 Provision for IBNR* 172,255 (89,943) 82,312 Provision for outstanding claims 407,095 (237,956) 169,139 Note 46(b) Group Provision for claims reported by participants 45.5(b) 259,275 (150,305) 108,970 Provision for IBNR* 322,909 (111,121) 211,788 Provision for outstanding claims 582,184 (261,426) 320,758 Note 11 * Incurred-but-not-reported (“IBNR”) NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2017 220 BIMB HOLDINGS BERHAD Integrated Annual Report 2017