Bank Islam Integrated Annual Report 2022

8. FINANCING, ADVANCES AND OTHERS (CONTINUED) (f) By sector Group and Bank 2022 RM’000 2021 RM’000 Primary agriculture 876,964 943,610 Mining and quarrying 371,447 373,622 Manufacturing (including agro-based) 615,475 844,204 Electricity, gas and water supply 2,226,137 2,338,340 Wholesale & retail trade, and restaurants & hotels 1,208,104 927,026 Construction 1,967,534 1,964,818 Transport, storage and communications 2,829,640 733,084 Finance, insurance, real estate and business activities 4,724,887 5,176,288 Education, health and others 2,479,672 1,462,749 Household sectors 48,641,997 44,453,994 65,941,857 59,217,735 (g) By stages Group and Bank Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 At 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 2021/1 January 2022 56,543,861 2,105,491 568,383 59,217,735 Transfer to Stage 1 277,301 (255,450) (21,851) – Transfer to Stage 2 (1,479,726) 1,493,362 (13,636) – Transfer to Stage 3 (169,257) (152,802) 322,059 – Financial assets that have been derecognised (7,066,711) (260,725) (29,224) (7,356,660) New financial assets originated or purchased 16,640,000 451,603 81,077 17,172,680 Modification of contractual cash flows (2,677,231) (355,323) 180,045 (2,852,509) Write-offs – – (251,621) (251,621) Exchange differences 12,232 – – 12,232 At 31 December 2022 62,080,469 3,026,156 835,232 65,941,857 Financial Statements 287 01 05 03 07 02 06 09 04 08 Bank Islam Malaysia Berhad

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