Bank Islam Integrated Annual Report 2020

39. FINANCIAL RISK MANAGEMENT (CONTINUED) (b) Credit risk (continued) Maximum exposure to credit risk (continued) (b) Financing, advances and others (continued) Vulnerable sectors The Group and the Bank have also identified certain vulnerable sectors that are mostly impacted by the pandemic, of which tighter assessment was made on the customers’ credit rating, credit risk, credit cost and available financing. Financing, advances and others On-balance sheet (net of impairment) RM’000 Tourism, airlines, oil and gas, transportation, restaurant, hotel and others 7,435,095 % over total maximum exposure 14% Relief and support measures As mentioned in Note 2.1(a)(i), the Government has introduced certain measures to assist customers experiencing temporary financial constraints due to the pandemic. The table below summarised total payment moratoriums and repayment assistances granted to the affected customers; Matured and repaying as per revised schedules RM’000 Extended RM’000 Missed payments RM’000 Total granted RM’000 Consumer 30,346,281 2,869,399 313,404 33,529,084 Mortgages 17,388,738 1,801,123 151,010 19,340,871 Hire purchase 1,247,353 131,952 23,764 1,403,069 Personal financing 11,710,190 936,324 138,630 12,785,144 Commercial 756,016 1,165,548 20,928 1,942,492 of which SME 657,724 468,414 20,928 1,147,066 Corporate 1,852,238 556,124 – 2,408,362 32,954,535 4,591,071 334,332 37,879,938 As a percentage of total: Consumer 90.5% 8.6% 0.9% 100.0% Mortgages 89.9% 9.3% 0.8% 100.0% Hire purchase 88.9% 9.4% 1.7% 100.0% Personal financing 91.6% 7.3% 1.1% 100.0% Commercial 38.9% 60.0% 1.1% 100.0% of which SME 57.3% 40.9% 1.8% 100.0% Corporate 76.9% 23.1% – 100.0% 87.0% 12.1% 0.9% 100.0% BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 271