8. FINANCING, ADVANCES AND OTHERS (CONTINUED) (h) Movement in impaired financing and advances (“impaired financing”) Group and Bank 2021 RM’000 2020 RM’000 At 1 January 373,234 433,001 Classified as impaired during the year 597,779 311,012 Reclassified as not impaired during the year (212,296) (190,989) Amount repaid (62,386) (67,114) Amount written-off (127,948) (112,676) At 31 December 568,383 373,234 Gross impaired financing as a percentage of gross financing, advances and others 0.96% 0.67% The contractual amount outstanding on financing and advances that were written-off during the year are still subject to enforcement activity. (i) Impaired financing by geographical distribution Group and Bank 2021 RM’000 2020 RM’000 Central Region 395,781 174,617 Eastern Region 68,146 86,291 Northern Region 74,751 78,220 Southern Region 17,458 19,167 East Malaysia Region 12,247 14,939 568,383 373,234 (j) Impaired financing by sector Group and Bank 2021 RM’000 2020 RM’000 Manufacturing (including agro-based) 10,307 28,328 Wholesale & retail trade, and hotels & restaurants 76,992 89,812 Construction 285,246 36,220 Transport, storage and communications 15,311 17,801 Finance, insurance, real estate and business activities 5,932 6,141 Education, health & others 1,391 3,969 Household sectors 173,204 190,963 568,383 373,234 INTEGRATED ANNUAL REPORT 202 1 Key Messages Overview Value Creation MD&A Sustainability Leadership Accountability Financial Additional Information 273
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