Page 150 - EXIM-Bank_Annual-Report-2023

EXIM BANk MALAySIA
148 A Vision to Serve Empowering Growth Management Discussion and Analysis
ANNUAL REPORT 2023
Notes to the fiNaNcial statemeNts

9. LoANS, ADvANCES AND FINANCING (cont’d)
(x) Overlays and adjustments for ECL amid COVID-19 environment and current emerging risks (cont’d)

ECL (inclusive of overlays) analysed by industry are as follows:
Group and Bank
Management
Outstanding Modelled Overlay
Balance ECL Provided Total
2023 2023 2023 2023
rM’000 rM’000 rM’000 rM’000
Manufacturing 301,435 7,154 35,059 42,213
Transport, storage and communication 177,224 11,925 (5) 11,920
Construction 205,975 6,995 (1) 6,994
Wholesale and retail trade, and restaurants and hotels 6,296 - - -
Others - - - -
690,930 26,074 35,053 61,127

Group and Bank
Management
Outstanding Modelled Overlay
Balance ECL Provided 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