Page 141 - EXIM-Bank_Annual-Report-2022

A VISION COMMITMENT EMPOWERING ENSURING ENHANCING FINANCIAL
TO SERVE TO LEAD GROWTH SUSTAINABILITY GOVERNANCE STATEMENTS 139

Notes to the fiNaNcial statemeNts

9. LoANs, ADvANCes AND FINANCING (cont’d.)
(viii) Gross impaired loans, advances and financing analysed by industry are as follows:

Group and Bank
2022 2021
rM’000 rM’000
Primary agriculture 12,238 15,561
Manufacturing 114,373 176,461
Transport, storage and communication 471,812 650,517
Construction 462,543 496,199
Wholesale and retail trade, and restaurants and hotels 23,262 163,344
Others 940,265 594,493
2,024,493 2,096,575

(ix) Movements in the allowance for ECL for loans, advances and financing are as follows:

stage 2 stage 3
stage 1 Lifetime eCL Lifetime
12-months not credit eCL credit
eCL impaired impaired total eCL
rM’000 rM’000 rM’000 rM’000
Group and Bank
2022
At 1 January 66,630 482,275 1,450,165 1,999,070
Transferred to Stage 1 45,097 (45,097) - -
Transferred to Stage 3 - (47,752) 47,752 -
Allowance/(Writeback) recognised in profit or loss (14,945) (59,034) 218,176 144,197
Financial assets derecognised (14,627) (9,397) - (24,024)
Changes due to change in credit risk (12,184) (39,125) - (51,309)
Modification to contractual cash flows of financial assets 7,115 (81,134) - (74,019)
Total amount charged to profit or loss during the period 10,456 (281,539) 265,928 (5,155)

Other movement with no profit or loss impact
Write offs - - (310,757) (310,757)
Exchange differences - - 60,697 60,697
At 31 December 77,086 200,736 1,466,033 1,743,855