4. CREDIT RISK (CONTINUED) 4.5 Credit Quality of Gross Financing and Advances (continued) (c) Impaired Financing and Advances (continued) 31 December 2024 RM’000 Individual Assessment Allowance Collective Assessment Allowance At 31.12.2024 Total Impairment Allowances For Financing At 31.12.2024 Impaired Financing At 31.12.2024 Individual Assessment As At 01.01.2024 Net Charge For The Financial Year Amounts Written Off/Other Movements Individual Assessment As At 31.12.2024 Primary Agriculture 1,099 – – – – 3,808 3,808 Mining and Quarrying 3,550 – 964 – 964 5,392 6,356 Manufacturing (including Agro-based) 30,881 3,472 (1,268) – 2,203 10,710 12,914 Electricity, Gas and Water 2,538 1,414 126 – 1,540 37,381 38,922 Wholesale & Retail Trade and Restaurants & Hotels 128,408 1,263 19,149 1,338 21,750 22,109 43,859 Construction 58,372 6,328 8,982 2,755 18,065 34,069 52,134 Real Estate Transport, Storage and Communication 23,296 186 7,139 – 7,325 18,477 25,802 Finance, Insurance and Business Services 102,078 12,539 38,138 1,648 52,325 37,938 90,262 Education, Health and Others 14,250 – 1,022 – 1,022 17,025 18,047 Household Sectors 377,786 23,933 720 – 24,653 420,400 445,052 Other Sectors – – – – – – – Total 742,257 49,135 74,971 5,741 129,848 607,310 737,158 31 December 2023 RM’000 Individual Assessment Allowance Collective Assessment Allowance At 31.12.2023 Total Impairment Allowances For Financing At 31.12.2023 Impaired Financing At 31.12.2023 Individual Assessment As At 01.01.2023 Net Charge For The Financial Year Amounts Written Off/Other Movements Individual Assessment As At 31.12.2023 Primary Agriculture 815 – (1,724) 1,724 – 10,981 10,981 Mining and Quarrying 106 256,996 (518,021) 261,025 – 3,541 3,541 Manufacturing (including Agro-based) 36,476 3,728 (987) 731 3,472 12,551 16,023 Electricity, Gas and Water 2,415 – 1,414 – 1,414 42,327 43,741 Wholesale & Retail Trade and Restaurants & Hotels 88,659 2,018 (1,185) 430 1,263 52,774 54,037 Construction 34,675 3,903 (1,487) 3,913 6,328 44,159 50,487 Real Estate – – – – – – – Transport, Storage and Communication 7,286 6,352 (7,573) 1,407 186 21,508 21,694 Finance, Insurance and Business Services 52,967 1,021 11,518 – 12,539 71,704 84,243 Education, Health and Others 7,633 – – – – 21,664 21,664 Household Sectors 404,936 28,878 (5,690) 745 23,933 477,331 501,264 Other Sectors – – – – – – – Total 635,967 302,896 (523,735) 269,974 49,135 758,540 807,675 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 448 Pillar 3 Disclosure as at 31 December 2024
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