BIMB Integrated Annual Report 2019

48 FINANCIAL RISK MANAGEMENT POLICIES (CONTINUED) 48.3 Credit risk (continued) (iii) Credit quality of financing, advances and others (continued) 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 2018 RM’000 RM’000 RM’000 RM’000 Financing, advances and others NPDNI – Excellent 41,801,620 293,750 – 42,095,370 – Satisfactory 2,734,627 347,516 – 3,082,143 – Fair 242,626 32,800 – 275,426 44,778,873 674,066 – 45,452,939 PDNI – 591,509 – 591,509 Impaired – – 425,937 425,937 Gross carrying amount 44,778,873 1,265,575 425,937 46,470,385 Financing commitments NPDNI – Excellent 8,234,213 28,251 – 8,262,464 – Satisfactory 583,981 72,491 – 656,472 – Fair 14,424 104 – 14,528 8,832,618 100,846 – 8,933,464 PDNI – 10,520 – 10,520 Impaired – – 20,352 20,352 Gross exposure 8,832,618 111,366 20,352 8,964,336 Impairment allowances (380,940) (128,360) (243,853) (753,153) Net exposure 53,230,551 1,248,581 202,436 54,681,568 Financial guarantee contracts NPDNI – Excellent 1,692,780 3,138 – 1,695,918 – Satisfactory 49,235 3,262 – 52,497 – Fair – – – – 1,742,015 6,400 – 1,748,415 PDNI – 942 – 942 Impaired – – 828 828 Gross exposure 1,742,015 7,342 828 1,750,185 Impairment allowances (35,510) (1,042) – (36,552) Net exposure 1,706,505 6,300 828 1,713,633 NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 278 Integrated Annual Report 2019 Group Overview Sustaining The Group Management Discussion & Analysis Group Governance