331 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2022 KENANGA INVESTMENT BANK BERHAD Annual Report 2022 52. OPERATIONS OF ISLAMIC BANKING (CONT’D.) (h) Financing and advances Group and Bank 2022 RM’000 2021 RM’000 Commodity Murabahah term financing - Shariah contract - others 26,323 20,011 Commodity Murabahah revolving credit - Shariah contract - others 57,913 70,105 Commodity Murabahah share margin financing - Shariah contract - others 13,311 13,471 Gross financing and advances 97,547 103,587 Less: Allowance for ECL (55) (96) Net financing and advances 97,492 103,491 (i) Gross financing and advances analysed by type of customer are as follows: Domestic business enterprises 42,548 54,058 Individuals 54,999 49,529 97,547 103,587 (ii) Gross financing and advances analysed by geographical distribution are as follows: In Malaysia 97,547 103,587 (iii) Gross financing and advances analysed by profit rate sensitivity are as follows: Fixed rate 13,311 13,471 Variable rate- Cost plus 84,236 90,116 97,547 103,587 (iv) Gross financing and advances analysed by economic purpose are as follows: Purchase of securities 36,618 38,278 Working capital 57,914 48,905 Others 3,015 16,404 97,547 103,587 (v) Gross financing and advances analysed by residual contractual maturity are as follows: Within one year 73,737 65,236 More than one year 23,810 38,351 97,547 103,587
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