Page 16 - Bank-Muamalat-Annual-Report-2021

14 BANK MUAMALAT MALAYSIA BERHAD
ABOUT US OUR LEADERSHIP OUR STRATEGY OUR PERFORMANCE

ASSETS
PERFORMANCE

Assets Quality
(RM’000)

0.8% 1.1% 99.2% 98.9%

2020 2021
Gross Impaired Financing (RM Million) 194.7 172.1

Impaired Non-Impaired
Financing Financing Gross Impaired Financing Ratio 1.07% 0.83%
Financing Loss Reserve Ratio 101.30% 135.40%
Collective Assessment Ratio 0.90% 1.00%

2020 2021

Impaired Financing by Sector

2020 2021
Household 69.25% 66.36%
Manufacturing 17.04% 18.40%
Real Estate 9.77% 10.44%
2020 2021
Wholesale and Retail and Restaurant 2.91% 2.52%
Construction 0.43% 0.69%
Transport, Storage and Communication 0.30% 0.60%
Community, Social and Personal Service 0.09% 0.51%
Finance, Takaful and Business Services 0.21% 0.48%

Impaired Financing by Business Segment

2020 2021
Consumer 69.23% 66.36%
2020 2021 Commercial 10.79% 30.27%
SME 2.31% 3.37%
Corporate 17.67% 0.00%
Treasury & Investment 0.00% 0.00%