Page 16 - Bank-Muamalat_Annual-Report-2023

BANK MUAMALAT MALAYSIA BERHAD

ASSETS
PERFORMANCE

ASSET QUALITY (RM’000)

1 1
2
2 FY2023 FY2022
1 Impaired Financing 0.93% 0.85%
2 Non-Impaired Financing 99.07% 99.15%

FY2023 FY2022
FY2023 FY2022
Gross Impaired Financing (RM’000) 266.23 205.96
Gross Impaired Financing ratio 0.93% 0.85%
Financing loss coverage ratio 87.43% 130.20%
Collective assessment ratio 0.74% 0.89%

Impaired Financing by Sector

8 FY2023 FY2022
7 6 7
9 1 Household 74.82% 72.00%
6 8
10 Wholesale, retail and 10.28% 4.52%
5 9 2
5 restaurant
4 1 1
3 4 3 Real Estate 4.19% 6.93%
4 Finance, takaful and business 3.00% 0.95%
3
2 services
5 Transport, storage and 2.57% 0.75%
FY2023 FY2022 communication
6 Manufacturing 2.45% 10.93%
2
7 Construction 2.19% 1.71%
8 Community, social and 0.20% 0.29%
personal service
9 Electricity, Gas and Water 0.18% 1.92%
10 Agriculture 0.11% 0%

Impaired Financing by Business Segment

2 3 3
4 4
1 1
FY2023 FY2022
1 Consumer 74.82% 71.99%
2 SME 16.46% 6.17%
3 Commercial 8.41% 21.26%
FY2023 FY2022 4 Corporate 0.32% 0.58%

5 Treasury & Investment 0% 0%
2

14