Page 202 - EXIM_AR2021

200 FINANCIAL EXIM BANK MALAYSIA
STATEMENTS

Notes to the fiNaNcial statemeNts

42. financial risk management POlicies (cOnt’D.)

Credit risk exposure (cont’d.)
The Group and the Bank may renegotiate, modify the contractual cash flows of loans and financing to borrowers or provide
payment moratorium to borrowers. Such renegotiation, modification or payment moratorium may result in the Group and the
Bank incurring modification loss. The amount of such of modification loss recognised by the Group and the Bank in the current
financial year is as follows:
Outstanding Modification
Group and Bank Balance ECL Impact
RM’000 RM’000 RM’000

2021
Manufacturing 407,025 105,082 78,203
Transport, storage and communication 436,206 165,905 73,352
Wholesale and retail trade, and restaurants and hotels 9,335 1,180 736
Others 186,439 57,490 27,923
1,039,005 329,657 180,214

As a percentage of total:
Manufacturing 7.68%
Transport, storage and communication 8.23%
Wholesale and retail trade, and restaurants and hotels 0.18%
Others 3.52%