Bank Islam Integrated Annual Report 2020

4. CREDIT RISK (CONTINUED) 4.5 Credit Quality of Gross Financing and Advances (continued) (d) Gross Financing and Advances – Exposures by Geographical Areas Of Which: 31 December 2020 RM‘000 Gross Financing Past Due But Not Impaired Financing Impaired Financing Individual Allowances Collective Allowances Central Region 25,745,132 326,811 174,617 47,606 496,983 Eastern Region 8,757,468 80,907 86,291 15,481 94,975 Northern Region 7,431,066 93,699 78,220 – 93,343 Southern Region 9,416,361 88,776 19,167 2,108 89,166 East Malaysia Region 4,248,569 38,574 14,939 – 88,299 Grand Total 55,598,596 628,767 373,234 65,195 862,766 Of Which: 31 DECEMBER 2019 RM‘000 Gross Financing Past Due But Not Impaired Financing Impaired Financing Individual Allowances Collective Allowances Central Region 23,794,695 280,243 181,730 42,199 384,653 Eastern Region 7,861,683 96,802 101,743 23,890 78,839 Northern Region 6,673,024 69,345 79,976 1,754 66,724 Southern Region 8,278,422 76,877 47,527 18,479 90,860 East Malaysia Region 3,616,145 35,703 22,025 1,725 42,325 Grand Total 50,223,969 558,970 433,001 88,047 663,400 PILLAR 3 DISCLOSURE as at 31 December 2020 336 Financ ial Statement s Accountabi l i t y Addi t ional Informat ion