KENANGA ANNUAL REPORT 2020

193 ANNUAL REPORT 2020 // KENANGA INVESTMENT BANK BERHAD 9. LOANS, ADVANCES AND FINANCING (CONT’D.) 9.2 Impairment allowance for loans, advances and financing are as follows (cont’d.): (d) Undrawn commitment (cont’d.) An analysis of changes in the outstanding exposure and the corresponding ECL allowances in relation to undrawn commitment is as follows: 2020 Group Outstanding exposure Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 100,200 - - 100,200 New exposures 329,995 - - 329,995 Exposures derecognised or matured/lapsed (excluding write-offs) (271,295) - - (271,295) As at 31 December 158,900 - - 158,900 2019 Group Outstanding exposure Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 123,405 - - 123,405 New exposures 240,557 - - (263,762) Exposures derecognised or matured/lapsed (excluding write-offs) (263,762) - - (263,762) As at 31 December 100,200 - - 100,200 2020 Bank Outstanding exposure Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 168,200 - - 168,200 New exposures 364,495 - - 364,495 Exposures derecognised or matured/lapsed (excluding write-offs) (306,295) - - (306,295) As at 31 December 226,400 - - 226,400