Page 379 - Bank-Muamalat-Annual-Report-2021

ANNUAL REPORT 2021 377
SUSTAINABILITY STATEMENT OUR GOVERNANCE OUR NUMBERS OTHER INFORMATION

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 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 9,660,937 101,443 16,301 60,821 9,839,502
Other financing 3,975,628 30,669 379 41,523 4,048,199
20,413,916 272,511 39,754 172,073 20,898,254
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 20,413,916 272,511 39,754 95,939 20,671,306