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ANNUAL REPORT 2021 139

Notes to the fiNaNcial statemeNts

7. lOans, aDvances anD financing (cOnt’D.)

(xi) ECL (inclusive of overlays) analysed by industry are as follows:
Group and Bank
Outstanding Modelled Management
Balance ECL Overlay Total
2021 2021 2021 2021
RM’000 RM’000 RM’000 RM’000

Manufacturing 407,025 26,879 78,203 105,082
Transport, storage and communication 436,206 92,553 73,352 165,905
Wholesale and retail trade, and restaurants and hotels 9,335 444 736 1,180
Others 186,439 29,567 27,923 57,490
1,039,005 149,443 180,214 329,657

Group and Bank
Outstanding Modelled Management
Balance ECL Overlay Total
2020 2020 2020 2020
RM’000 RM’000 RM’000 RM’000

Primary agriculture 13,132 1,227 91 1,318
Manufacturing 600,265 95,943 80,159 176,102
Transport, storage and communication 192,546 43,874 26,102 69,976
Construction 205,164 6,999 9,542 16,541
Wholesale and retail trade, and restaurants and hotels 87,305 2,651 6,874 9,525
Others 74,492 809 27,663 28,472

1,172,904 151,503 150,431 301,934