KENANGA ANNUAL REPORT 2019

188 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 2019 ECL allowances Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 201 - - 201 New exposures 95 - - 95 Exposures derecognised or repaid (excluding write-offs) (41) - - (41) As at 31 December 255 - - 255 Bank 2018 ECL allowances Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 154 - - 154 New exposures 60 - - 60 Exposures derecognised or repaid (excluding write-offs) (13) - - (13) As at 31 December 201 - - 201 10. BALANCES DUE FROM CLIENTS AND BROKERS Group and Bank 2019 RM’000 2018 RM’000 Balances due from clients and brokers 294,014 310,778 Less: Allowance for ECL (13,657) (14,455) 280,357 296,323