42. FINANCIAL RISK MANAGEMENT (CONTINUED) Overview (continued) (b) Credit risk (continued) Credit quality of financing, advances and others The credit quality of the Bank's financing, advances and others are summarised as follows (continued): Bank 2024 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 Financing, advances and others Neither past due nor impaired (NPDNI): – Excellent 62,023,822 1,539,189 – 63,563,011 – Satisfactory 3,768,751 974,925 – 4,743,676 – Fair 310,405 58,126 – 368,531 66,102,978 2,572,240 – 68,675,218 Past due but not impaired (PDNI) – 814,435 – 814,435 Impaired – – 742,257 742,257 Gross carrying amount 66,102,978 3,386,675 742,257 70,231,910 Financing commitments NPDNI: – Excellent 10,682,593 233,315 – 10,915,908 – Satisfactory 1,935,217 224,084 – 2,159,301 – Fair 38,219 13,803 – 52,022 12,656,029 471,202 – 13,127,231 PDNI – 6,780 – 6,780 Impaired – – 34,012 34,012 Gross exposure 12,656,029 477,982 34,012 13,168,023 Impairment allowances (238,538) (210,705) (264,938) (714,181) Net exposure 78,520,469 3,653,952 511,331 82,685,752 Financial guarantee contracts NPDNI: – Excellent 1,757,417 21,443 – 1,778,860 – Satisfactory 152,924 145,886 – 298,810 – Fair 819 1,821 – 2,640 1,911,160 169,150 – 2,080,310 PDNI – 19 – 19 Impaired – – 4,106 4,106 Gross exposure 1,911,160 169,169 4,106 2,084,435 Impairment allowances (20,887) (1,988) (102) (22,977) Net exposure 1,890,273 167,181 4,004 2,061,458 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 384 Notes to the Financial Statements for the financial year ended 31 December 2024
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