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ANNUAL REPORT 2021 223

Notes to the fiNaNcial statemeNts

44. islamic bUsiness fUnDs (cOnt’D.)

Notes to the financial statements for Islamic business fund and Takaful fund for the financial year ended 31 December 2021
(cont’d.)
(d) Islamic financing (cont’d.)

(ix) Overlays and adjustments for expected credit losses amid COVID-19 environment (cont’d.)
ECL (inclusive of overlays) analysed by industry are as follows:

Group and Bank
Outstanding Modelled Management Total
Amount ECL Overlay ECL
2021 2021 2021 2021
RM’000 RM’000 RM’000 RM’000

Manufacturing 62,982 10,239 893 11,132
Transport, storage and communication 41,988 3,135 2,531 5,666
Wholesale and retail trade, and restaurants
and hotels 9,335 442 737 1,179
114,305 13,816 4,161 17,977

Group and Bank
Outstanding Modelled Management Total
Amount ECL Overlay ECL
2020 2020 2020 2020
RM’000 RM’000 RM’000 RM’000

Construction 62,580 1,196 2,869 4,065
Manufacturing 84,347 21,659 73 21,732
Primary agriculture 13,132 1,227 91 1,318
Wholesale and retail trade, and restaurants
and hotels 86,282 2,545 6,751 9,296
246,341 26,627 9,784 36,411