Page 291 - Full Book_24.4.2021

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)
Banking (continued) achieving a leading repute
(iii) Credit quality of financing, advances and others

the credit quality of the bank’s financing, advances and others are summarised as follows: |
Bank Islam Stage 1 Stage 2 Stage 3 Total
31 December 2020 RM’000 RM’000 RM’000 RM’000
Financing, advances and others Paving the Way for a Sustainable future

neither past due nor impaired (“nPdni”)
– excellent 46,398,623 827,642 – 47,226,265
– Satisfactory 6,267,615 727,566 – 6,995,181
– fair 263,084 112,065 – 375,149

52,929,322 1,667,273 – 54,596,595
Past due but not impaired (“Pdni”) – 628,767 – 628,767 285
impaired – – 373,234 373,234
Gross carrying amount 52,929,322 2,296,040 373,234 55,598,596

Financing commitments

nPdni
– excellent 7,924,991 33,371 – 7,958,362 adhering to the best Governance Practices
– Satisfactory 1,431,364 105,542 – 1,536,906
– fair 69,915 27,818 – 97,733

9,426,270 166,731 – 9,593,001
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Pdni – 5,501 – 5,501
Laying the Foundation for Financial Growth
impaired – – 16,725 16,725
Gross exposure 9,426,270 172,232 16,725 9,615,227
impairment allowances (625,052) (151,067) (122,532) (898,651)

net exposure 61,730,540 2,317,205 267,427 64,315,172

Financial guarantee contracts
nPdni |
– excellent 1,691,570 583 – 1,692,153
– Satisfactory 232,950 15,669 – 248,619
– fair 234 628 – 862

1,924,754 16,880 – 1,941,634 additional information & disclosure Summary
Pdni – – – –
impaired – – 157 157

Gross exposure 1,924,754 16,880 157 1,941,791
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impairment allowances (28,930) (380) – (29,310)
24 th aGm information
net exposure 1,895,824 16,500 157 1,912,481