Bank Islam Integrated Annual Report 2020

4. CREDIT RISK (CONTINUED) 4.5 Credit Quality of Gross Financing and Advances (continued) (c) Impaired Financing and Advances (continued) Individual Assessment Allowance 31 December 2019 RM‘000 Impaired Financing at 31.12.2019 Individual Assessment as at 01.01.2019 Net Charge for the Financial Year Amounts Written Off/ Other Movements Individual Assessment as at 31.12.2019 Collective Assessment Allowance at 31.12.2019 Total Impairment Allowances for Financing At 31.12.2019 Primary Agriculture – – – – – 31,276 31,276 Mining and Quarrying – – – – – 38,292 38,292 Manufacturing (including Agro-based) 45,715 5,438 20,360 – 25,798 36,007 61,805 Electricity, Gas and Water – – – – – 45,386 45,386 Wholesale & Retail Trade and Restaurants & Hotels 97,043 28,202 (4,708) – 23,494 22,793 46,287 Construction 29,361 106,338 7,641 (102,846) 11,133 74,552 85,685 Real Estate – – – – – – – Transport, Storage and Communication 10,217 3,434 915 – 4,349 28,924 33,273 Finance, Insurance and Business Services 8,125 762 2,295 (3,058) – 61,503 61,503 Education, Health and Others 8,179 1,776 1,900 – 3,676 9,922 13,598 Household Sectors 234,361 10,740 9,188 (330) 19,598 293,270 312,868 Other Sectors – – – – – 21,475 21,475 Total 433,001 156,691 37,590 (106,234) 88,047 663,400 751,447 BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 335