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 31.12.2021 31.12.2020 By ageing RM’000 RM’000 Month-in-arrears 1 217,722 429,323 Month-in-arrears 2 196,644 199,444 414,366 628,767 Analysis of the past due but not impaired financing and advances by sector: Group and Bank 31.12.2021 31.12.2020 RM’000 RM’000 Primary agriculture – – Mining and quarrying – 3,615 Manufacturing (including agro-based) 9,910 761 Electricity, gas and water – – Wholesale & retail trade, and hotels & restaurants 667 23,195 Construction 342 8,215 Real estate – 136 Transport, storage and communications 25,536 38,370 Finance, insurance and business activities 183 8,228 Education, health and others 27 2,424 Household sectors 377,701 543,823 Other sectors – – 414,366 628,767 PILLAR 3 DISCLOSURE as at 31 December 2021 BANK I SLAM MALAYS IA BERHAD 392
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