8. FINANCING, ADVANCES AND OTHERS (CONTINUED) (f) By sector Group Bank 2024 RM’000 2023 RM’000 2024 RM’000 2023 RM’000 Primary agriculture 488,152 842,037 488,152 842,037 Mining and quarrying 279,628 127,543 279,628 127,543 Manufacturing (including agro-based) 524,924 607,523 524,924 607,523 Electricity, gas and water supply 2,807,498 2,358,054 2,807,498 2,358,054 Wholesale & retail trade, and restaurants & hotels 1,315,066 1,257,455 1,315,066 1,257,455 Construction 1,230,837 1,470,233 1,230,837 1,470,233 Transport, storage & communications 2,060,548 2,801,628 2,060,548 2,801,628 Finance, insurance, real estate and business activities 5,980,435 5,804,729 5,993,934 5,804,729 Education, health and others 1,601,574 1,630,380 1,601,574 1,630,380 Household sectors 53,929,749 50,725,207 53,929,749 50,725,207 70,218,411 67,624,789 70,231,910 67,624,789 (g) By stages Group Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 At 1 January 2023 62,080,469 3,026,156 835,232 65,941,857 Transfer to Stage 1 641,401 (599,756) (41,645) – Transfer to Stage 2 (1,572,642) 1,623,696 (51,054) – Transfer to Stage 3 (140,958) (147,491) 288,449 – Financial assets that have been derecognised (9,790,554) (596,302) 99,444 (10,287,412) New financial assets originated or purchased 14,722,959 706,312 33,971 15,463,242 Changes due to additional drawdown/partial settlements (2,725,564) (245,581) (21,731) (2,992,876) Write-offs – – (506,700) (506,700) Exchange differences 6,678 – – 6,678 At 31 December 2023/1 January 2024 63,221,789 3,767,034 635,966 67,624,789 Transfer to Stage 1 1,285,234 (1,237,238) (47,996) – Transfer to Stage 2 (1,394,215) 1,444,256 (50,041) – Transfer to Stage 3 (129,857) (243,401) 373,258 – Financial assets that have been derecognised (10,775,888) (701,239) 97,339 (11,379,788) New financial assets originated or purchased 16,703,213 688,637 38,696 17,430,546 Changes due to additional drawdown/partial settlements (2,817,624) (331,374) (20,351) (3,169,349) Write-offs – – (284,614) (284,614) Exchange differences (3,173) – – (3,173) At 31 December 2024 66,089,479 3,386,675 742,257 70,218,411 327 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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