Bank Islam Integrated Annual Report 2020

4. CREDIT RISK (CONTINUED) 4.5 Credit Quality of Gross Financing and Advances (continued) (b) Past Due but Not Impaired Financings classified as past due but not impaired are financings of which their contractual profit or principal payments are past due, but the Group and the Bank believe that impairment is not appropriate on the basis of the level of collateral available and/or the stage of collection amounts owed to the Group and the Bank. Analysis of the past due but not impaired financing and advances by ageing: Group and Bank 31.12.2020 31.12.2019 By ageing RM’000 RM’000 Month-in-arrears 1 429,323 360,615 Month-in-arrears 2 199,444 198,355 628,767 558,970 Analysis of the past due but not impaired financing and advances by sector: Group and Bank 31.12.2020 31.12.2019 RM’000 RM’000 Primary agriculture – 21,081 Mining and quarrying 3,615 – Manufacturing (including agro-based) 761 953 Electricity, gas and water – – Wholesale & retail trade, and hotels & restaurants 23,195 2,809 Construction 8,215 9,729 Real estate 136 – Transport, storage and communications 38,370 40,995 Finance, insurance and business activities 8,228 3,120 Education, health and others 2,424 0 Household sectors 543,823 480,283 Other sectors – – 628,767 558,970 PILLAR 3 DISCLOSURE as at 31 December 2020 332 Financ ial Statement s Accountabi l i t y Addi t ional Informat ion