BIMB Integrated Annual Report 2019

8 FINANCING, ADVANCES AND OTHERS (continued) (d) By remaining contractual maturity Group 2019 2018 RM’000 RM’000 Maturity within one year 4,615,374 4,774,098 More than one year to three years 1,265,070 1,299,229 More than three years to five years 3,230,831 2,921,287 More than five years 41,112,694 37,475,771 50,223,969 46,470,385 (e) By geographical distribution Central Region 23,794,695 22,125,064 Eastern Region 7,861,683 7,646,307 Northern Region 6,673,024 6,640,816 Southern Region 8,278,422 6,723,490 East Malaysia Region 3,616,145 3,334,708 50,223,969 46,470,385 (f) By sector Primary agriculture 1,266,687 754,835 Mining and quarrying 38,712 9,060 Manufacturing (including agro-based) 881,445 909,850 Electricity, gas and water supply 1,863,658 371,479 Wholesale & retail trade, and restaurants & hotels 927,772 1,098,346 Construction 2,238,954 2,417,262 Transport, storage and communications 918,959 824,949 Finance, insurance, real estate and business activities 3,731,211 4,011,569 Education, health and others 1,126,374 1,000,735 Household sectors 37,230,197 35,072,300 50,223,969 46,470,385 (g) Movement in impaired financing and advances (“impaired financing”) At 1 January 425,937 398,277 Classified as impaired during the year 701,221 621,974 Reclassified as not impaired during the year (372,172) (321,635) Amount recovered (97,001) (117,477) Amount written off (224,984) (155,202) At 31 December 433,001 425,937 Gross impaired financing as a percentage of gross financing, advances and others 0.86% 0.92% The contractual amount outstanding on financing and advances that were written off during the year are still subject to enforcement activity. NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 218 Integrated Annual Report 2019 Group Overview Sustaining The Group Management Discussion & Analysis Group Governance