Page 294 - Bank-Muamalat-AR2020

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

Notes to the fiNaNcial statemeNts
31 December 2020 (16 JamaDil awal 1442h)

46. FINANCIAL rISk MANAGEMENT OBJECTIvES AND POLICIES (CONT’D.)
(a) Credit risk (cont’d.)

(ii) Credit quality for financing of customers (cont’d.)
Financing of customers are analysed as follows: (cont’d.)
Neither past due nor impaired Past due
but not Impaired
Bank Good Satisfactory impaired financing Total
31 December 2019 rM’000 rM’000 rM’000 rM’000 rM’000

Term financing
- Home financing 4,059,306 177,617 158,076 111,169 4,506,168
- Syndicated financing 553,402 - - - 553,402
- Hire purchase
receivables 558,153 7,168 8,914 2,450 576,685
- Other term financing 6,929,949 37,520 46,147 65,275 7,078,891
Other financing 3,215,395 43,470 4,902 30,272 3,294,039

15,316,205 265,775 218,039 209,166 16,009,185
Less:
- Stage 1
- 12 Months ECL - - - - (51,342)
- Stage 2
- Lifetime ECL
not credit impaired - - - - (13,766)
- Stage 3
- Lifetime ECL
credit impaired - - - (86,734) (86,734)

Total net financing 15,316,205 265,775 218,039 122,432 15,857,343