KENANGA ANNUAL REPORT 2020

195 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 (cont’d.): 2020 Bank ECL allowances Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 255 - - 255 Exposures derecognised or repaid (excluding write-offs) (25) - - (25) Impact of net remeasurement (155) - - (155) As at 31 December 75 - - 75 2019 Bank ECL allowances Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 201 - - 201 New exposures 26 - - 26 Exposures derecognised or repaid (excluding write-offs) (41) - - (41) Impact of net remeasurement 69 - - 69 As at 31 December 255 - - 255