4. CREDIT RISK (CONTINUED) 4.5 Credit Quality of Gross Financing and Advances (continued) (c) Impaired Financing and Advances (continued) Impaired financing by assessment type: Group and Bank 31.12.2023 RM’000 31.12.2022 RM’000 Individually Assessed 241,246 516,711 of which: Month-in-Arrears 0 29,164 64,818 Month-in-Arrears 1 16,803 5,544 Month-in-Arrears 2 2,943 3,701 Month-in-Arrears 3 and above 192,336 442,648 Collectively Assessed 394,720 318,521 635,966 835,232 31 December 2023 RM’000 Individual Assessment Allowance Collective Assessment Allowance At 31.12.2023 Total Impairment Allowances For Financing At 31.12.2023 Impaired Financing At 31.12.2023 Individual Assessment As At 01.01.2023 Net Charge For The Financial Year Amounts Written Off/Other Movements Individual Assessment As At 31.12.2023 Primary Agriculture 815 – (1,724) 1,724 – 10,981 10,981 Mining and Quarrying 106 256,996 (518,021) 261,025 – 3,541 3,541 Manufacturing (including Agro-based) 36,476 3,728 (987) 730 3,471 12,551 16,022 Electricity, Gas and Water 2,415 – 1,414 – 1,414 42,327 43,741 Wholesale & Retail Trade and Restaurants & Hotels 88,658 2,018 (1,185) 430 1,263 52,774 54,037 Construction 34,675 3,903 (1,487) 3,913 6,329 44,159 50,488 Real Estate – – – – – – – Transport, Storage and Communication 7,286 6,352 (7,573) 1,407 186 21,508 21,694 Finance, Insurance and Business Services 52,966 1,021 11,518 – 12,539 71,704 84,243 Education, Health and Others 7,633 – – – – 21,664 21,664 Household Sectors 404,936 28,878 (5,690) 745 23,933 477,331 501,264 Other Sectors – – – – – – – Total 635,966 302,896 (523,735) 269,974 49,135 758,540 807,675 425 www.bankislam.com 1 2 3 4 5 6 7 8 9 FINANCIAL STATEMENTS
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