Page 206 - EXIM-Bank_Annual-Report-2022

204 eXIM BANK MALAYsIA ANNUAL REPORT 2022

Notes to the fiNaNcial statemeNts

44. 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
2022
Manufacturing 281,273 51,518 35,470
Transport, storage and communication 195,134 29,458 -
Construction 215,470 7,503 5,628
Wholesale and retail trade, and restaurants and hotels 6,865 4,881 4,579
Others 84,441 42,221 20,696
783,183 135,581 66,373

As a percentage of total:
Manufacturing 5.91%
Transport, storage and communication 4.10%
Construction 4.53%
Wholesale and retail trade, and restaurants and hotels 0.14%
Others 1.77%

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%