41. FINANCIAL RISK MANAGEMENT (CONTINUED) (b) Credit risk (continued) (iii) Credit quality of financing, advances and others (continued) Past due but not impaired financing Group and Bank 2022 2021 RM’000 % to gross financing RM’000 % to gross financing By ageing Month-in-arrears 1 452,425 0.69 217,722 0.37 Month-in-arrears 2 216,377 0.33 196,644 0.33 668,802 1.02 414,366 0.70 Impaired financing Group and Bank 2022 RM’000 2021 RM’000 By ageing Month-in-arrears 0 83,572 279,211 Month-in-arrears 1 11,124 9,002 Month-in-arrears 2 6,102 3,746 Month-in-arrears 3 and above 734,434 276,424 835,232 568,383 Impaired financing of which rescheduled and restructured financing Group and Bank 2022 RM’000 2021 RM’000 Consumer 40,756 26,791 Business 69,211 74,352 109,967 101,143 Rescheduled or restructured financings are financings that have been rescheduled or restructured due to deterioration in the customers’ financial positions and the Bank has made concessions that it would not otherwise consider. Once the financing is rescheduled or restructured, its satisfactory performance is monitored for a period of six months before it can be reclassified to performing. Notes to the financial statements for the financial year ended 31 December 2022 Integrated Report 2022 344
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