Page 294 - Bank-Muamalat-Annual-Report-2021

292 bank MuaMalat Malaysia berhaD
ABOUT US OUR LEADERSHIP OUR STRATEGY OUR PERFORMANCE

NOTES TO THE FINANCIAL STATEMENTS
31 DECEMbEr 2021 (26 JAMADIL AwAL 1443H)

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
2021 RM’000 RM’000 RM’000 RM’000 RM’000

Term financing
- Home financing 5,579,616 132,386 18,714 68,345 5,799,061
- Syndicated financing 561,017 - - - 561,017
- Hire purchase
receivables 636,718 8,013 4,360 1,384 650,475
- Other term financing 9,651,249 101,443 16,301 60,821 9,829,814
Other financing 3,975,628 30,669 379 41,523 4,048,199
20,404,228 272,511 39,754 172,073 20,888,566
Less:
- Stage 1
- 12 Months ECL - - - - (116,768)
- Stage 2
- Lifetime ECL
not credit impaired - - - - (34,046)
- Stage 3
- Lifetime ECL
credit impaired - - - (76,134) (76,134)
Total net financing 20,404,228 272,511 39,754 95,939 20,661,618