NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2023 203 OUR SUSTAINABILITY APPROACH 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/financing and subordinated term loan (cont’d.) An analysis of changes in the gross carrying amount and the corresponding ECL allowances in relation to term loans/financing and subordinated term loan is as follows (cont’d.): Bank ECL allowances 2023 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 569 2,900 - 3,469 New assets originated or purchased 556 - - 556 Assets derecognised or repaid (excluding write-offs) (391) - - (391) Impact of remeasurement (46) (159) - (205) Changes in model assumption or methodology (8) - - (8) As at 31 December 680 2,741 - 3,421 ECL allowances 2022 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 3,203 - - 3,203 New assets originated or purchased 256 - - 256 Assets derecognised or repaid (excluding write-offs) (153) - - (153) Impact of remeasurement (12) - - (12) Changes in model assumption or methodology (2,725) 2,900 - 175 As at 31 December 569 2,900 - 3,469
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