Page 13 - Bank Muamalat_AR24

ANNUAL REPORT 2024 1 Overview 2 3 4 5 6 7 8 11

Financing by Islamic Contract

FY2024 FY2023
5 6 6 1 Tawarruq 85.18% 84.96%
4 7 5 7
3 8 4 8 2 Murabahah to the 4.60% 4.95%
Purchase Orderer
2 3 3.49%
2 3 Bai’ Bithaman Ajil 4.51%
4 Murabahah 3.32% 4.03%
5 Bai’ Al-Dayn 0.77% 1.02%
FY2024 FY2023 1 6 Ijarah Thumma Al-Bai 2.23% 0.31%
1 7 Musyarakah Mutanaqisah 0.14% 0.19%
8 Istisna’ 0.27% 0.03%
9 Inah 0.00% 0.00%
10 Qard 0.00% 0.00%

4
4
1
1 FY2024 FY2023
Tawarruq Tawarruq 1 Personal financing 25.72% 28.43%
financing financing 12.90%
split split 2 Other term financing 14.80%
FY2024 FY2023 3 Home financing 33.51% 29.12%
3 4 Others 13.06% 12.60%
3
2 2

Financing by Product

FY2024 FY2023
9 1 Home financing 36.83% 33.03%
8 10 9 10 2 Personal financing 25.80% 28.53%
7 11 8 11 3 Other term financing 13.27% 15.33%
6 12 7 12 4 Revolving credit 7.22% 7.29%
5 6 5 Hire purchase receivables 6.91% 5.40%
5 6 Claims on customers
4 4 under acceptance credits 3.93% 4.73%
7 Cash line 1.96% 1.69%
FY2024 1 FY2023 1 8 Ar-Rahnu 1.69% 1.28%
9 Syndicated financing 1.48% 1.91%
3 0.42% 0.28%
3 10 Staff financing
11 Credit Card 0.32% 0.21%
2 0.16% 0.31%
2 12 Trust receipts