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39. ISLAMIC BUSINESS FUND (CONT’D)
Notes to the financial statements for the financial year ended 31 December 2013 (cont’d)
(e) Advances and financing
Group and Bank
2013
2012
RM’000
RM’000
(i) Murabahah
570,352
205,588
Istisna’
344,791
353,301
Bai’ Dayn
9,337
882
Tawwaruq
1,021,366
213,155
Ijarah
189,972
–
Unearned income
(622,588)
(238,882)
1,513,230
534,044
Allowances for losses on advances and financing:
– Individual allowance
–
(6,435)
– Collective allowance
(62,343)
(25,343)
Net advances and financing
1,450,887
502,266
(ii) The maturity structure of the advances and financing are as follows:
Within one year
670,155
222,054
One year to three years
155,429
36,911
Three years to five years
–
67,980
Over five years
687,646
207,099
1,513,230
534,044
(iii) Gross advances and financing analysed by profit rate sensitivity are as follows:
Fixed rate
553,122
305,538
Variable rate
960,108
228,506
1,513,230
534,044
(iv) Gross advances and financing analysed by geography are as follows:
Malaysia
1,039,956
208,286
East Asia
264,721
212,271
South Asia
–
–
Central Asia
–
–
Middle East
143,943
113,487
Africa
3,738
–
Europe
29,797
–
Oceania
31,075
–
1,513,230
534,044
NOTESTOTHEFINANCIALSTATEMENTS
31 DECEMBER 2013
192
EXIM Bank Annual Report 2013