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382 BANK MUAMALAT MALAYSIA BERHAD

BASEL II
PILLAR 3 DISCLOSURE

4.0 CREDIT RISK (GENERAL DISCLOSURE) (CONT’D)

Credit Quality Financing of Customers (cont’d)
Table 11: Credit quality of financing of customers (cont’d)

Financing of customers are analysed as follows:
Past due
Neither past due nor impaired but not Impaired
Bank Good Satisfactory impaired financing Total
31 December 2023 RM’000 RM’000 RM’000 RM’000 RM’000

Term financing
- Home financing 8,691,993 273,525 256,585 107,181 9,329,284
- Personal financing 7,835,162 112,155 131,878 69,256 8,148,451
- Hire purchase receivables 1,523,090 6,555 11,477 1,969 1,543,091
- Syndicated financing 546,137 - - - 546,137
- Other term financing 4,334,678 34,459 32,479 56,015 4,457,631
Other financing 4,495,050 4,757 9,704 31,807 4,541,318

27,426,110 431,451 442,123 266,228 28,565,912
Less:
- Stage 1 - 12 Months ECL (119,065) (1,173) - - (120,238)
- Stage 2 - Lifetime ECL
not credit impaired - (12,547) (10,711) - (23,258)
- Stage 3 - Lifetime ECL
credit impaired - - - (79,024) (79,024)

Total net financing 27,307,045 417,731 431,412 187,204 28,343,392