KENANGA ANNUAL REPORT 2019

187 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2019 9. LOANS, ADVANCES AND FINANCING (CONT’D.) 9.2 Impairment allowance for loans, advances and financing are as follows (cont’d.): (d) Undrawn commitment (cont’d.) An analysis of changes in the outstanding exposure and the corresponding ECL allowances in relation to undrawn commitment is as follows (cont’d.): Bank 2018 Outstanding exposure Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 136,985 - - 136,985 New exposures 119,420 - - 119,420 Exposures derecognised or matured/lapsed (excluding write-offs) (26,000) - - (26,000) As at 31 December 230,405 - - 230,405 Group 2019 ECL allowances Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 60 - - 60 New exposures 85 - - 85 Exposures derecognised or repaid (excluding write-offs) (16) - - (16) As at 31 December 129 - - 129 Group 2018 ECL allowances Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 13 - - 13 New exposures 60 - - 60 Exposures derecognised or repaid (excluding write-offs) (13) - - (13) As at 31 December 60 - - 60