329 How We Are Governed Financial Statements Shareholders’ Information Additional Information 52. OPERATIONS OF ISLAMIC BANKING (CONT’D.) (h) Financing and advances at AC Group and Bank 2021 RM’000 2020 RM’000 Commodity Murabahah term financing - Shariah contract - others 20,011 29,501 Commodity Murabahah revolving credit - Shariah contract - others 70,105 70,353 Commodity Murabahah share margin financing - Shariah contract - others 13,471 14,293 Gross financing and advances 103,587 114,147 Less: Allowance for ECL (96) (219) Net financing and advances 103,491 113,928 (i) Gross financing and advances analysed by type of customer are as follows: Domestic business enterprises 54,058 55,648 Individuals 49,529 58,499 103,587 114,147 (ii) Gross financing and advances analysed by geographical distribution are as follows: In Malaysia 103,587 114,147 (iii) Gross financing and advances analysed by profit rate sensitivity are as follows: Fixed rate 13,471 14,293 Variable rate- Cost plus 90,116 99,854 103,587 114,147 (iv) Gross financing and advances analysed by economic purpose are as follows: Purchase of securities 48,905 40,096 Working capital 38,278 70,351 Others 16,404 3,700 103,587 114,147 (v) Gross financing and advances analysed by residual contractual maturity are as follows: Within one year 65,236 110,445 More than one year 38,351 3,702 103,587 114,147
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