4. CREDIT RISK (CONTINUED) 4.5 Credit Quality of Gross Financing and Advances (continued) (b) Past Due but Not Impaired (continued) Analysis of the past due but not impaired financing and advances by ageing: By ageing Group and Bank 31.12.2024 RM’000 31.12.2023 RM’000 Month-in-arrears 1 564,181 481,274 Month-in-arrears 2 250,254 229,492 814,435 710,766 Analysis of the past due but not impaired financing and advances by sector: Group and Bank 31.12.2024 RM’000 31.12.2023 RM’000 Primary agriculture 336 – Mining and quarrying – – Manufacturing (including agro-based) 5,219 1,718 Electricity, gas and water 756 105 Wholesale & retail trade, and hotels & restaurants 11,876 11,819 Construction 6,290 9,159 Real estate – 529 Transport, storage and communications 9,311 2,081 Finance, insurance and business activities 33,839 3,797 Education, health and others 4,179 6,725 Household sectors 742,629 674,833 Other sectors – – 814,435 710,766 (c) Impaired Financing and Advances A financing is classified as impaired when the principal or profit or both are past due for three months or more, or where a financing is in arrears for less than three months, but the financing exhibits indications of significant credit weakness. The financing or group of financing is deemed to be impaired if, and only if, there is objective evidence of impairment as a result of one or more events that have occurred after the initial recognition of the financing (a ‘loss event’) and that the loss event has an impact on the estimated future cash flows of the financing or group of financing that can be reliably estimated. Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 446 Pillar 3 Disclosure as at 31 December 2024
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