BIMB Integrated Annual Report 2019

48 FINANCIAL RISK MANAGEMENT POLICIES (CONTINUED) 48.3 Credit risk (continued) (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 2019 RM’000 RM’000 RM’000 RM’000 Financing, advances and others Neither past due nor impaired (“NPDNI”) – Excellent 42,776,005 372,582 – 43,148,587 – Satisfactory 5,281,199 546,463 – 5,827,662 – Fair 208,508 47,241 – 255,749 48,265,712 966,286 – 49,231,998 Past due but not impaired (“PDNI”) – 558,970 – 558,970 Impaired – – 433,001 433,001 Gross carrying amount 48,265,712 1,525,256 433,001 50,223,969 Financing commitments NPDNI – Excellent 7,610,330 113,645 – 7,723,975 – Satisfactory 1,167,045 69,998 – 1,237,043 – Fair 31,975 38,122 – 70,097 8,809,350 221,765 – 9,031,115 PDNI – 13,427 – 13,427 Impaired – – 16,534 16,534 Gross exposure 8,809,350 235,192 16,534 9,061,076 Impairment allowances (402,059) (147,588) (172,197) (721,844) Net exposure 56,673,003 1,612,860 277,338 58,563,201 Financial guarantee contracts NPDNI – Excellent 1,819,240 5,211 – 1,824,451 – Satisfactory 117,731 5,207 – 122,938 – Fair 229 2,290 – 2,519 1,937,200 12,708 – 1,949,908 PDNI – – – – Impaired – – 579 579 Gross exposure 1,937,200 12,708 579 1,950,487 Impairment allowances (29,076) (527) – (29,603) Net exposure 1,908,124 12,181 579 1,920,884 NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 277 BIMB HOLDINGS BERHAD 199701008362 (423858-X) Shareholders’ Information Financial Statements Additional Information Disclosure Summary