Page 14 - Bank Muamalat_AR24

12 BANK MUAMALAT MALAYSIA BERHAD

ASSETS
PERFORMANCE

ASSET QUALITY (RM’000)

1 FY2024 FY2023
1 1 Impaired Financing 1.05% 0.93%
2 2 2 Non-Impaired Financing 98.95% 99.07%
FY2024 FY2023
1 Gross Impaired Financing 341.18 266.23
FY2024 FY2023 2 Gross Impaired Financing
ratio 1.05% 0.93%
3 Financing loss coverage
ratio 77.63% 87.43%
4 Collective assessment
ratio 0.74% 0.74%

Impaired Financing by Product
FY2024 FY2023
1 Household 68.69% 74.82%
7 8 7 8 2 Wholesale and retail and 14.00% 10.28%
6 9 6 9 restaurant
5 10 5 10 3 Manufacturing 4.21% 2.45%
4 4 4 Finance, takaful and 3.93% 3.00%
3 3 business services
2 2 5 Transport, storage and 3.14% 2.57%
communication
FY2024 FY2023 1 2.90%
1 6 Real Estate 4.19%
7 Construction 1.90% 2.19%
8 Community, social and 1.15% 0.20%
personal service
9 Electricity, Gas and Water 0.07% 0.18%
10 Agriculture 0.02% 0.11%

Impaired Financing by Business Segment

4 2 1
4 2 FY2024 FY2023

1 Corporate 0.00% 0.32%
2 Commercial 11.03% 8.41%
FY2024 FY2023 3 Consumer 68.69% 74.82%
4 SME 20.29% 16.46%
3 5 Treasury & Investment 0.00% 0.00%
3