8. FINANCING, ADVANCES AND OTHERS (CONTINUED) (f) By sector Group and Bank 2021 RM’000 2020 RM’000 Primary agriculture 960,757 1,044,451 Mining and quarrying 67,474 67,305 Manufacturing (including agro-based) 1,008,846 1,001,272 Electricity, gas and water supply 2,054,242 2,032,684 Wholesale & retail trade, and restaurants & hotels 956,449 951,149 Construction 2,864,869 2,736,468 Transport, storage and communications 726,341 681,659 Finance, insurance, real estate and business activities 4,735,590 4,557,954 Education, health and others 1,387,814 1,168,902 Household sectors 44,455,353 41,356,752 59,217,735 55,598,596 (g) By stages Group and Bank Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 At 1 January 2020 48,265,712 1,525,256 433,001 50,223,969 Transfer to Stage 1 263,081 (237,179) (25,902) – Transfer to Stage 2 (843,859) 876,712 (32,853) – Transfer to Stage 3 (45,319) (68,566) 113,885 – Financial assets that have been derecognised (7,012,865) (280,945) (16,214) (7,310,024) New financial assets originated or purchased 12,410,241 480,762 13,992 12,904,995 Modification of contractual cash flows (104,033) – – (104,033) Write-offs – – (112,675) (112,675) Exchange differences (3,636) – – (3,636) At 31 December 2020/1 January 2021 52,929,322 2,296,040 373,234 55,598,596 Transfer to Stage 1 607,206 (593,384) (13,822) – Transfer to Stage 2 (620,226) 643,258 (23,032) – Transfer to Stage 3 (308,485) (54,276) 362,761 – Financial assets that have been derecognised (7,539,292) (491,190) (7,493) (8,037,975) New financial assets originated or purchased 11,490,674 305,048 4,684 11,800,406 Modification of contractual cash flows (25,323) (5) – (25,328) Write-offs – – (127,949) (127,949) Exchange differences 9,985 – – 9,985 At 31 December 2021 56,543,861 2,105,491 568,383 59,217,735 BANK I SLAM MALAYS IA BERHAD NOTES TO THE FINANCIAL STATEMENTS for the financial year ended 31 December 2021 272
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