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386 BANK MUAMALAT MALAYSIA BERHAD

BASEL II
PILLAR 3 DISCLOSURE

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

Credit Quality Financing of Customers (cont’d)
Impaired financing (cont’d)

Table 13: Impaired financing by economic purpose (cont’d)
The following tables present an analysis of the impaired financing by economic purpose.

Total
Individual Amounts Individual Collective Impairment
Assessment Written Assessment Assessment Allowances
31 December 2024 Impaired Allowance at Net Charge Off/Other Allowance at Allowance at for
Bank Financing 1 January for the Year Movements 31 December 31 December Financing
RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000

Purchase of securities 3 - - - - 86 86
Purchase of transport vehicles 6,143 3 58 7 54 5,713 5,767
Purchase of landed properties
of which:
– residential 132,837 10,140 5,674 7,322 8,492 57,770 66,262
– non-residential 12,593 1,705 4,411 4,729 1,387 1,230 2,617
Purchase of fixed assets
(excluding landed properties) - - - - - 8,587 8,587
Personal use 95,109 1,595 (400) - 1,195 125,436 126,631
Construction - - - - - 2,510 2,510
Working capital 93,030 6,267 74,043 66,191 14,119 24,506 38,625
Other purpose 1,464 351 (352) - - 4,187 4,187

341,179 20,061 83,434 78,249 25,247 230,025 255,272

Total
Individual Amounts Individual Collective Impairment
Assessment Written Assessment Assessment Allowances
31 December 2023 Impaired Allowance at Net Charge Off/Other Allowance at Allowance at for
Bank Financing 1 January for the Year Movements 31 December 31 December Financing
RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000

Purchase of securities 75 - - - - 137 137
Purchase of transport vehicles 1,969 127 26 150 3 6,637 6,640
Purchase of landed properties
of which:
– residential 98,630 11,338 (1,198) - 10,140 54,636 64,776
– non-residential 16,775 2,836 (84) 1,047 1,705 1,303 3,008
Purchase of fixed assets
(excluding landed properties) - - - - - 7,823 7,823
Personal use 88,204 1,460 135 - 1,595 104,596 106,191
Construction - - - - - 3,100 3,100
Working capital 56,044 31,039 (712) 24,060 6,267 19,885 26,152
Other purpose 4,531 3,948 (3,597) - 352 4,341 4,693

266,228 50,748 (5,430) 25,257 20,062 202,458 222,520