Page 14 - Bank-Muamalat-AR2020

12 BANK MUAMALAT MALAYSIA BERHAD About Us Our Leadership Our Strategy
ANNUAL REPORT FY2020

ASSETS

PERFORMANCE

ASSET QUALITY

98.9%
Non-Impaired
FY2019 FY2020 Financing
98.7%
Gross Impaired Financing (RM Million) 209.2 194.7
Gross Impaired Financing Ratio 1.31% 1.07%
Financing Loss Reserve Ratio 75.50% 101.30% 1.07%
Collective Assessment Ratio 0.80% 0.90% Impaired
Financing
1.31%

FY2019 FY2020

IMPAIRED FINANCING BY SECTOR

FY2019 FY2020
Household 78.20% 69.25%
Manufacturing 1.34% 17.04%
Real Estate 8.83% 9.77%
Wholesale and Retail and
Restaurant 4.96% 2.91%
FY2019 FY2020 Construction 2.28% 0.43%
Transport, Storage and
Communication 3.74% 0.30%
Finance, Takaful and Business
Services 0.46% 0.21%
Community, Social and Personal
Service 0.19% 0.09%

IMPAIRED FINANCING BY BUSINESS SEGMENT

FY2019 FY2020
Consumer 78.20% 69.23%
Corporate 3.44% 17.67%
FY2019 FY2020
Commercial 14.63% 10.79%
SME 3.73% 2.31%