KENANGA ANNUAL REPORT 2017

10. LOANS, ADVANCES AND FINANCING (CONT’D.) (ix) Movements in allowances for loans, advances and financing are as follows: Group Bank 2017 RM’000 2016 RM’000 2017 RM’000 2016 RM’000 Individual allowance At beginning of the financial year 2,135 1,395 1,266 1,395 Allowance made (Note 34) 176 932 176 63 Allowance written back (Note 34) (47) (192) (1) (192) At end of the financial year 2,264 2,135 1,441 1,266 Collective allowance At beginning of the financial year 432 143 871 438 Allowance made (Note 34) 509 406 268 550 Allowance written back (Note 34) (272) (117) (272) (117) At end of the financial year 669 432 867 871 Collective allowance as % of gross loans, advances and financing less individual allowance 0.03% 0.02% 0.04% 0.04% 11. BALANCES DUE FROM CLIENTS AND BROKERS Group and Bank 2017 RM’000 2016 RM’000 Restated (Note 55) Balances due from clients and brokers 516,250 471,740 Less: allowance for impairment (21,367) (26,735) 494,883 445,005 Annual Report 2017 31 December 2017 127 notes to the financial statements