Bank Islam Integrated Annual Report 2020

8. FINANCING, ADVANCES AND OTHERS (CONTINUED) (g) Movement in impaired financing and advances (“impaired financing”) Group and Bank 2020 RM’000 2019 RM’000 At 1 January 433,001 425,937 Classified as impaired during the year 311,012 701,221 Reclassified as not impaired during the year (190,989) (372,172) Amount recovered (67,114) (97,001) Amount written-off (112,676) (224,984) At 31 December 373,234 433,001 Gross impaired financing as a percentage of gross financing, advances and others 0.67% 0.86% The contractual amount outstanding on financing and advances that were written-off during the year are still subject to enforcement activity. (h) Impaired financing by geographical distribution Group and Bank 2020 RM’000 2019 RM’000 Central Region 174,617 181,730 Eastern Region 86,291 101,743 Northern Region 78,220 79,976 Southern Region 19,167 47,527 East Malaysia Region 14,939 22,025 373,234 433,001 (i) Impaired financing by sector Group and Bank 2020 RM’000 2019 RM’000 Manufacturing (including agro-based) 28,328 45,715 Wholesale & retail trade, and hotels & restaurants 89,812 97,043 Construction 36,220 29,361 Transport, storage and communications 17,801 10,217 Finance, insurance, real estate and business activities 6,141 8,125 Education, health & others 3,969 8,179 Household sectors 190,963 234,361 373,234 433,001 BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 229