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ANNUAL REPORT 2021 219

Notes to the fiNaNcial statemeNts

44. islamic bUsiness fUnDs (cOnt’D.)

Notes to the financial statements for Islamic business fund and Takaful fund for the financial year ended 31 December 2021
(cont’d.)
(d) Islamic financing (cont’d.)

(iv) Islamic gross financing analysed by geography are as follows:
Group and Bank
2021 2020
RM’000 RM’000

Malaysia 1,257,672 1,699,163
East Asia 13,944 45,646
South Asia 420,774 420,965
Europe 315,047 332,759
West Africa 28,594 72,876
Oceania 90,118 106,698
Middle East 133,754 148,177
2,259,903 2,826,284

(v) Islamic gross financing analysed by industry are as follows:

Group and Bank
2021 2020
RM’000 RM’000
Primary agriculture 64,883 232,815
Manufacturing 482,453 459,375
Transport, storage and communication 298,368 528,605
Construction 616,364 624,906
Wholesale and retail trade, and restaurants and hotels 262,248 307,538
Other 535,587 673,045
2,259,903 2,826,284

(vi) Movements in impaired financing are as follows:
Group and Bank
2021 2020
RM’000 RM’000

At 1 January 924,367 1,000,690
Impaired during the year 59,991 20,242
Recoveries (50,163) (85,202)
Written-off (142,078) (4,496)
Exchange differences (19,565) (6,867)
At 31 December 772,552 924,367