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

BASEL II
PILLAr 3 DISCLOSurE

4.0 CrEDIT rISk (GENErAL DISCLOSurE) (CONT’D)
Credit quality Financing of Customers

Table 11: Credit quality of financing of customers
The credit quality for financing of customers is managed by the Group and the Bank using the internal credit ratings. The table
below shows the credit quality for financing of customers exposed to credit risk, based on the Group’s and the Bank’s internal
credit ratings.
Financing of customers are analysed as follows:

Past due
Neither past due nor impaired but not Impaired
Group Good Satisfactory impaired financing Total
31 December 2020 rM’000 rM’000 rM’000 rM’000 rM’000

Term financing
- Home financing 4,501,078 89,050 184,885 91,069 4,866,082
- Syndicated financing 550,719 - - - 550,719
- Hire purchase receivables 621,639 4,405 8,886 1,880 636,810
- Leasing receivables - - - - -
- Other term financing 8,120,932 26,053 56,289 56,067 8,259,341
Other financing 3,942,335 1,909 4,415 45,695 3,994,354
17,736,703 121,417 254,475 194,711 18,307,306
Less:
- Stage 1 - 12 Months ECL - - - - (94,984)
- Stage 2 - Lifetime ECL
not credit impaired - - - - (8,561)
- Stage 3 - Lifetime ECL
credit impaired - - - (87,944) (87,944)

Total net financing 17,736,703 121,417 254,475 106,767 18,115,817