Page 138 - EXIM-Bank_Annual-Report-2022

136 eXIM BANK MALAYsIA ANNUAL REPORT 2022

Notes to the fiNaNcial statemeNts

9. LoANs, ADvANCes AND FINANCING
Group and Bank
2022 2021
rM’000 rM’000
At amortised cost
Loans, advances and financing 4,676,106 5,261,790
Loans under MKFF scheme 5,396 7,077
Amount due from Export Credit Refinancing (“ECR”)* debtors 79,496 31,167
Staff loans 501 597
Gross loans, advances and financing 4,761,499 5,300,631
Less: Allowance for ECL on impaired loans, advances and financing:
- 12-month ECL - Stage 1 (77,086) (66,630)
- Lifetime not credit impaired ECL - Stage 2 (200,736) (482,275)
- Lifetime ECL credit impaired - Stage 3 (1,466,033) (1,450,165)
Net loans, advances and financing 3,017,644 3,301,561

* The amount represents block discounting of bills facility provided to participating banks in Malaysia granted under ECR
Scheme. The primary objective of the Scheme is for the promotion of Malaysian export by offering competitive rates to
banks participating in the ECR Scheme for on-lending to exporters.
(i) Gross loans, advances and financing analysed by facility are as follows:

Group and Bank
2022 2021
rM’000 rM’000
Buyer Credit 888,088 903,159
Overseas Contract Financing - 35,770
Overseas Investment Financing 402,809 470,649
Term Financing 42,387 84,335
Overseas Project Financing 1,572,598 1,388,384
Supplier Credit 91,846 117,455
Export Finance-i 6,008 8,106
Supplier Financing-i 348,085 927,688
Term Financing-i 753,675 718,588
Overseas Investment Financing-i 31,428 56,883
Overseas Contract Financing-i 51,750 30,989
Overseas Project Financing-i 469,916 464,000
Malaysian Kitchen Financing Facility (“MKFF”) 4,022 5,699
Malaysian Kitchen Financing Facility-i (“MKFF-i”) 1,374 1,378
ECR 79,496 31,167
Vendor Financing 442 3,513
Vendor Financing-i 17,074 52,271
Staff loans and advances 501 597
4,761,499 5,300,631