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NOTES TO THE
FINANCIAL STATEMENTS in retrospect
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for the financial year ended 31 december 2020 (continUed)
the Will to Suceed
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49 FINANCIAL RISk MANAGEMENT POLICIES (CONTINUED)
49.3 Credit risk (continued)
Maximum exposure to credit risk (continued) achieving a leading repute
Banking (continued)
(b) Financing, advances and others (continued) |
House financing (continued)
Group
2020 2019 Paving the Way for a Sustainable future
RM’000 RM’000
FTV ratio
Credit-impaired financing
Less than 51% 35,725 31,815
51-70% 6,842 10,628
More than 70% 91,517 119,718 281
total 134,084 162,161
Vulnerable sectors
the bank has also identified certain vulnerable sectors that are mostly impacted by the pandemic, of which tighter
assessment was made on the customers’ credit rating, credit risk, credit cost and available financing. adhering to the best Governance Practices
On balance sheet
Financing, advances and others (net of impairment)
RM’000
tourism, airlines, oil and gas, transportation, restaurant, hotel and others 7,435,095 |
Laying the Foundation for Financial Growth
% over total maximum exposure 14%
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additional information & disclosure Summary
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24 th aGm information
