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 Individual Assessment Allowance Collective Assessment Allowance At 31.12.2022 Total Impairment Allowances For Financing At 31.12.2022 Impaired 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 (d) Gross Financing and Advances – Exposures by Geographical Areas 31 December 2023 RM’000 Of Which: Gross Financing Past Due But Not Impaired Financing Impaired Financing Individual Allowances Collective Allowances Central Region 31,685,138 342,545 255,845 21,232 446,073 Eastern Region 10,201,039 93,164 123,232 22,830 77,897 Northern Region 9,175,037 97,586 152,661 – 81,501 Southern Region 11,468,449 120,922 73,459 3,625 98,906 East Malaysia Region 5,095,126 56,549 30,769 1,448 54,163 Grand Total 67,624,789 710,766 635,966 49,135 758,540 426 Pillar 3 Disclosure as at 31 December 2023 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2023
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