357 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2025 06 / FINANCIAL STATEMENTS 01 02 03 04 05 07 08 09 53. OPERATIONS OF ISLAMIC BANKING (CONT’D.) (h) Financing and advances Group and Bank 2025 RM’000 2024 RM’000 Commodity Murabahah term financing - Shariah contract - others 44,139 72,031 Commodity Murabahah revolving credit - Shariah contract - others 73,335 50,847 Commodity Murabahah share margin financing - Shariah contract - others 935 416 Gross financing and advances 118,409 123,294 Less: Allowance for ECL (480) (347) Net financing and advances 117,929 122,947 (i) Gross financing and advances analysed by type of customer are as follows: Domestic business enterprises 78,414 73,893 Individuals 39,995 49,401 118,409 123,294 (ii) Gross financing and advances analysed by geographical distribution are as follows: In Malaysia 118,409 123,294 (iii) Gross financing and advances analysed by profit rate sensitivity are as follows: Fixed rate 935 416 Variable rate- Cost plus 117,474 122,878 118,409 123,294
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