199 How We Are Governed Financial Statements Shareholders’ Information Additional Information 9. LOANS, ADVANCES AND FINANCING (CONT’D.) (iv) Gross loans, advances and financing analysed by economic purpose are as follows: Group Bank 2021 RM’000 2020 RM’000 2021 RM’000 2020 RM’000 Purchase of securities 1,427,343 1,488,572 1,427,343 1,488,572 Working capital 169,221 220,193 169,429 236,142 Others 196,251 173,869 169,879 145,278 1,792,815 1,882,634 1,766,651 1,869,992 (v) Gross loans, advances and financing analysed by residual contractual maturity are as follows: Group Bank 2021 RM’000 2020 RM’000 2021 RM’000 2020 RM’000 Within one year 1,483,133 1,543,716 1,484,244 1,540,048 More than one year 309,682 338,918 282,407 329,944 1,792,815 1,882,634 1,766,651 1,869,992 9.1 Movements in impaired loans, advances and financing (“Impaired LAF”) Group Bank 2021 RM’000 2020 RM’000 2021 RM’000 2020 RM’000 At beginning of the financial year 41,294 48,880 40,630 48,160 Impaired during the financial year 39,958 13,374 31,537 12,563 Amount written off against allowance for ECL - (9,005) - (9,005) Amount recovered during the financial year (8,111) (11,955) (7,467) (11,088) At end of the financial year 73,141 41,294 64,700 40,630 Less: Allowance for ECL (14,453) (7,917) (13,789) (7,253) Net impaired LAF 58,688 33,377 50,911 33,377 Net impaired LAF as a % of net loans, advances and financing 3.31% 1.79% 2.91% 1.80%
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