4. CREDIT RISK (CONTINUED) 4.5 Credit Quality of Gross Financing and Advances (continued) (c) Impaired Financing and Advances (continued) 31 December 2020 RM‘000 Impaired Financing at 31.12.2020 Individual Assessment Allowance Collective Assessment Allowance at 31.12.2020 Total Impairment Allowances for Financing At 31.12.2020 Individual Assessment as at 01.01.2020 Net Charge for the Financial Year Amounts Written Off/ Other Movements Individual Assessment as at 31.12.2020 Primary Agriculture – – – – – 18,882 18,882 Mining and Quarrying – – – – – 2,411 2,411 Manufacturing (including Agro-based) 28,329 25,797 (3,555) (15,469) 6,775 32,316 39,091 Electricity, Gas and Water – – – – – 65,708 65,708 Wholesale & Retail Trade and Restaurants & Hotels 89,812 23,494 3,335 (3,064) 23,765 29,556 53,321 Construction 36,220 11,133 5,358 (2,059) 14,432 89,865 104,297 Real Estate – – – – – – – Transport, Storage and Communication 17,801 4,349 218 – 4,567 34,248 38,815 Finance, Insurance and Business Services 6,140 – 258 – 258 106,156 106,414 Education, Health and Others 3,969 3,676 (1,394) (1,763) 519 15,631 16,150 Household Sectors 190,963 19,598 (3,694) (1,024) 14,879 467,993 482,872 Other Sectors – – – – – – – Total 373,234 88,047 526 (23,379) 65,195 862,766 927,961 INTEGRATED ANNUAL REPORT 202 1 395 Key Messages Overview Value Creation MD&A Sustainability Leadership Accountability Financial Additional Information
RkJQdWJsaXNoZXIy NDgzMzc=