4. CREDIT RISK (CONTINUED) 4.5 Credit Quality of Gross Financing and Advances (continued) (c) Impaired Financing and Advances (continued) 31 December 2021 RM‘000 Impaired Financing at 31.12.2021 Individual Assessment Allowance Collective Assessment Allowance at 31.12.2021 Total Impairment Allowances for Financing At 31.12.2021 Individual Assessment as at 01.01.2021 Net Charge for the Financial Year Amounts Written Off/ Other Movements Individual Assessment as at 31.12.2021 Primary Agriculture – – – – – 14,579 14,579 Mining and Quarrying – – – – – 2,887 2,887 Manufacturing (including Agro-based) 10,307 6,775 1,578 (6,439) 1,914 104,621 106,535 Electricity, Gas and Water – – – – – 43,233 43,233 Wholesale & Retail Trade and Restaurants & Hotels 76,992 23,765 5,868 (23,116) 6,517 48,216 54,733 Construction 285,246 14,432 187,722 (5,810) 196,344 74,274 270,618 Real Estate – – – – – – – Transport, Storage and Communication 15,311 4,567 55 (3,210) 1,412 35,947 37,359 Finance, Insurance and Business Services 5,932 258 (257) – – 92,613 92,613 Education, Health and Others 1,391 519 (369) – 150 19,286 19,436 Household Sectors 173,204 14,879 482 (745) 14,617 407,356 421,973 Other Sectors – – – – – – – Total 568,383 65,195 195,079 (39,320) 220,954 843,012 1,063,966 PILLAR 3 DISCLOSURE as at 31 December 2021 BANK I SLAM MALAYS IA BERHAD 394
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