Kenanga Investment Bank Berhad Annual Report 2021 204 Our Sustainability Approach About This Report We Are Kenanga Message From Chairman and GMD 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.) An analysis of changes in the gross carrying amount and the corresponding ECL allowances in relation to term loan is as follows (cont’d.): Bank ECL allowances 2021 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 3,312 - - 3,312 New assets originated or purchased 155 - - 155 Assets derecognised or repaid (excluding write-offs) (474) - - (474) Impact of remeasurement 210 - - 210 As at 31 December 3,203 - - 3,203 Bank ECL allowances 2020 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 2,111 - - 2,111 New assets originated or purchased 838 - - 838 Assets derecognised or repaid (excluding write-offs) (702) - - (702) Impact of remeasurement (1,775) - - (1,775) Changes in model assumption or methodology 2,840 - - 2,840 As at 31 December 3,312 - - 3,312 Notes to the Financial Statements 31 December 2021
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