Page 144 - EXIM-Bank_Annual-Report-2022

142 eXIM BANK MALAYsIA ANNUAL REPORT 2022

Notes to the fiNaNcial statemeNts

9. LoANs, ADvANCes AND FINANCING (cont’d.)
(x) Overlays and adjustments for ECL amid COVID-19 environment (cont’d.)

ECL (inclusive of overlays) analysed by industry are as follows:
Group and Bank
outstanding Modelled Management
Balance eCL overlay total
2022 2022 2022 2022
rM’000 rM’000 rM’000 rM’000
Manufacturing 281,273 16,048 35,470 51,518
Transport, storage and communication 195,134 29,458 - 29,458
Construction 215,470 1,875 5,628 7,503
Wholesale and retail trade, and restaurants and hotels 6,865 302 4,579 4,881
Others 84,441 21,525 20,696 42,221
783,183 69,208 66,373 135,581

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