4. CREDIT RISK (CONTINUED) 4.5 Credit Quality of Gross Financing and Advances (continued) (c) Impaired Financing and Advances (continued) 31 December 2022 RM‘000 Impaired Financing at 31.12.2022 Individual Assessment Allowance Collective Assessment Allowance at 31.12.2022 Total Impairment Allowances for Financing At 31.12.2022 Individual Assessment as at 01.01.2022 Net Charge for the Financial Year Amounts Written Off/ Other Movements Individual Assessment as at 31.12.2022 Primary Agriculture – – – – – 9,684 9,684 Mining and Quarrying 257,925 185,000 75,830 (3,834) 256,996 4,092 261,088 Manufacturing (including Agro-based) 37,452 1,914 130,568 (128,754) 3,728 16,315 20,043 Electricity, Gas and Water 467 – – – – 46,082 46,082 Wholesale & Retail Trade and Restaurants & Hotels 75,788 6,831 2,016 (6,829) 2,018 47,677 49,695 Construction 32,449 11,344 (3,959) (3,482) 3,903 49,382 53,285 Real Estate – – – – – – – Transport, Storage and Communication 20,222 888 5,464 – 6,352 29,379 35,731 Finance, Insurance and Business Services 37,872 – 1,021 – 1,021 78,201 79,222 Education, Health and Others 2,158 361 (361) – – 14,534 14,534 Household Sectors 370,899 14,616 14,262 – 28,878 441,621 470,499 Other Sectors – – – – – – – Total 835,232 220,954 224,841 (142,899) 302,896 736,967 1,039,863 Pillar 3 Disclosure as at 31 December 2022 Integrated Report 2022 402
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