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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)
(f) Income derived from investment of Islamic banking fund
Group and Bank
2013
2012
RM’000
RM’000
Advances and financing:
Murabahah
16,203
8,550
Istisna’
12,199
10,459
Bai’ Dayn
233
1,224
Tawwaruq
16,868
2,373
Ijarah
1,500
–
ECR-i debtors
17
137
Deposits and placements with banks and other financial institutions
3,136
1,066
Others
12,635
1,671
62,791
25,480
(g) Allowances for losses on advances and financing
Group and Bank
2013
2012
RM’000
RM’000
(i) Individual allowance
– Charged for the year
–
6,435
– Written back during the year
(327)
–
(ii) Collective allowance
– Charged for the year
37,000
19,937
36,673
26,372
(h) Commitments and contingencies
Group and Bank
2013
2012
RM’000
RM’000
Banking operation commitments
Contracted but not provided for:
Undrawn loans and financing
949,246
445,118
Insurance operation commitments
Contracted but not provided for:
Within one year
158,880
81,875
Total commitments and contingencies
1,108,126
526,993
NOTESTOTHEFINANCIALSTATEMENTS
31 DECEMBER 2013
194
EXIM Bank Annual Report 2013