275 FINANCIAL STATEMENTS Integrated Annual Report 2025 NOTES TO THE FINANCIAL STATEMENTS 31 December 2025 17. ISLAMIC FINANCING (CONT’D) Commodity Murabahah - IV The Commodity Murabahah - IV is payable over a period of 18 months from the date of first disbursement with bullet repayment of the principal sum on the 18th month. The Commodity Murabahah - IV bears a profit rate of 0.90% per annum above the bank’s COF. As at reporting date, the profit rate for the Commodity Murabahah is 4.16% per annum. As at the reporting date, the Group had borrowings of RM359,994,050 with contractual maturity dates in September 2026. Subsequent to the reporting date, the Group has initiated the process to extend the maturities of these borrowings and has identified several refinancing plans to be undertaken thereafter. TF - I TF - I are payable over a period of 60 months from the date of first disbursement with bullet repayment of the principal sum on the 60th month. The TF - I bears a profit rate of 1.20% (2024: 1.20%) per annum above the bank’s COF when Total Financing over Total Assets is greater than or equal to 40% and profit rate of 1.00% (2024: 1.00%) per annum above the bank’s COF when Total Financing over Total Assets is less than 40%. As at reporting date, the profit rate for the TF - I is 4.80% (2024: 5.10%) per annum. TF - I were secured against the investment properties which amounting to RM271,000,000 (2024: RM273,000,000) as disclosed in Note 10.
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