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 31.12.2022 31.12.2021 By ageing RM’000 RM’000 Month-in-arrears 1 452,425 217,722 Month-in-arrears 2 216,377 196,644 668,802 414,366 Analysis of the past due but not impaired financing and advances by sector: Group and Bank 31.12.2022 31.12.2021 RM’000 RM’000 Primary agriculture 139 – Mining and quarrying – – Manufacturing (including agro-based) 4,229 9,910 Electricity, gas and water – – Wholesale & retail trade, and hotels & restaurants 5,033 667 Construction 8,880 342 Real estate 19 – Transport, storage and communications 1,102 25,536 Finance, insurance and business activities 798 183 Education, health and others 922 27 Household sectors 647,681 377,701 Other sectors – – 668,802 414,366 Pillar 3 Disclosure as at 31 December 2022 Integrated Report 2022 400
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