Page 230 - EXIM-Bank_Annual-Report-2022

228 eXIM BANK MALAYsIA ANNUAL REPORT 2022

Notes to the fiNaNcial statemeNts

46. ISLaMIC BUSINESS FUNDS (cont’d.)
Notes to the financial statements for Islamic business fund and Takaful fund for the financial year ended 31 December
2022 (cont’d.)
(f) Islamic financing (cont’d.)
(ix) 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 total
Amount eCL overlay eCL
2022 2022 2022 2022
rM’000 rM’000 rM’000 rM’000
Construction 215,470 1,875 5,628 7,503
Manufacturing 1,547 50 - 50
Transport, storage and communication 40,313 5,610 - 5,610
Wholesale and retail trade, and restaurants
and hotels 6,865 302 4,579 4,881

264,195 7,837 10,207 18,044

Group and Bank
outstanding Modelled Management total
Amount eCL overlay eCL
2021 2021 2021 2021
rM’000 rM’000 rM’000 rM’000
Manufacturing 62,982 10,239 893 11,132
Transport, storage and communication 41,988 3,135 2,531 5,666
Wholesale and retail trade, and restaurants
and hotels 9,335 442 737 1,179
114,305 13,816 4,161 17,977