201 How We Are Governed Financial Statements Shareholders’ Information Additional Information 9. LOANS, ADVANCES AND FINANCING (CONT’D.) 9.2 Impairment allowance for loans, advances and financing are as follows: (cont’d.) (a) Term loans and subordinated term loan (cont’d.) Bank Internal rating grade 2021 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 Performing: Satisfactory 464,584 - - 464,584 Substandard 67,998 63,073 - 131,071 Total 532,582 63,073 - 595,655 Bank Internal rating grade 2020 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 Performing: Satisfactory 524,484 - - 524,484 Substandard 48,395 87,908 - 136,303 Total 572,879 87,908 - 660,787 An analysis of changes in the gross carrying amount and the corresponding ECL allowances in relation to term loan is as follows: Group Gross carrying amount 2021 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 499,884 87,909 - 587,793 New assets originated or purchased 155,500 4,359 - 159,859 Assets derecognised or repaid (excluding write-offs) (170,255) (38,460) - (208,715) Transfers of stages (9,165) 9,165 - - Modification of contractual cash flow of assets 40 100 - 140 As at 31 December 476,004 63,073 - 539,077 Group Gross carrying amount 2020 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 622,529 42,794 - 665,323 New assets originated or purchased 199,589 4,151 - 203,740 Assets derecognised or repaid (excluding write-offs) (272,135) (8,947) - (281,082) Transfers of stages (50,029) 50,029 - - Modification of contractual cash flow of assets (70) (118) - (188) As at 31 December 499,884 87,909 - 587,793
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