41. FINANCIAL RISK MANAGEMENT (CONTINUED) (b) Credit risk (continued) Credit quality of financing, advances and others The credit quality of the Bank’s financing, advances and others are summarised as follows: Group and Bank 2023 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 Financing, advances and others Neither past due nor impaired (“NPDNI”): – Excellent 58,136,811 1,634,677 – 59,771,488 – Satisfactory 4,843,676 1,267,175 – 6,110,851 – Fair 241,302 154,416 – 395,718 63,221,789 3,056,268 – 66,278,057 Past due but not impaired (“PDNI”) – 710,766 – 710,766 Impaired – – 635,966 635,966 Gross carrying amount 63,221,789 3,767,034 635,966 67,624,789 Financing commitments NPDNI: – Excellent 8,724,212 161,760 – 8,885,972 – Satisfactory 1,571,539 239,123 – 1,810,662 – Fair 55,387 17,266 – 72,653 10,351,138 418,149 – 10,769,287 PDNI – 9,155 – 9,155 Impaired – – 14,105 14,105 Gross exposure 10,351,138 427,304 14,105 10,792,547 Impairment allowances (279,609) (280,348) (222,916) (782,873) Net exposure 73,293,318 3,913,990 427,155 77,634,463 Financial guarantee contracts NPDNI: – Excellent 1,245,589 15,045 – 1,260,634 – Satisfactory 615,375 156,361 – 771,736 – Fair 1,131 802 – 1,933 1,862,095 172,208 – 2,034,303 PDNI – – – Impaired – – 409 409 Gross exposure 1,862,095 172,208 409 2,034,712 Impairment allowances (22,697) (1,976) (128) (24,801) Net exposure 1,839,398 170,232 281 2,009,911 361 1 2 3 4 5 6 7 8 9 www.bankislam.com FINANCIAL STATEMENTS
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