42. FINANCIAL RISK MANAGEMENT (CONTINUED) Overview (continued) (b) Credit risk (continued) Credit quality of financing, advances and others (continued) Past due but not impaired financing Group and Bank 2024 2023 RM’000 % to gross financing RM’000 % to gross financing By ageing Month-in-arrears 1 564,181 0.80 481,274 0.71 Month-in-arrears 2 250,254 0.36 229,492 0.34 814,435 1.16 710,766 1.05 Impaired financing Group and Bank 2024 RM’000 2023 RM’000 By ageing Month-in-arrears 0 118,054 65,937 Month-in-arrears 1 25,923 26,219 Month-in-arrears 2 15,442 9,547 Month-in-arrears 3 and above 582,838 534,263 742,257 635,966 Impaired financing of which rescheduled and restructured financing Group and Bank 2024 RM’000 2023 RM’000 Consumer 123,277 107,681 Business 95,478 72,160 218,755 179,841 Rescheduled or restructured financing are financing that have been rescheduled or restructured due to deterioration in the customers’ financial positions and the Bank has made concessions that it would not otherwise consider. Once the financing is rescheduled or restructured, its satisfactory performance is monitored for a period of six months before it can be reclassified to performing. 387 w w w . b a n k i s l a m. c o m 01 02 03 04 05 06 07 08 FINANCIAL STATEMENTS 09
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