BIMB Integrated Annual Report 2017

45. FINANCIAL RISK MANAGEMENT POLICIES (CONTINUED) 45.3 Credit risk (continued) (ii) Credit quality of takaful receivables (continued) The ageing analysis of takaful receivables past-due but not impaired as at the end of the reporting period based on days past-due was as follows: GROUP 2017 2016 RM’000 RM’000 Days past-due 1-30 days 2,495 2,749 31-60 days 427 3,430 61-90 days 325 2,292 91-180 days 5,315 20,951 > 180 days 4,433 4,518 12,995 33,940 Impairment loss of takaful receivables A reconciliation of the allowance for impairment losses for takaful receivables was as follows: RM’000 At 1 January 2016 7,517 Writeback of impairment debts (421) Allowance for impaired debts 2,123 Effect of movement in exchange rates 156 At 31 December 2016/1 January 2017 9,375 Writeback of impairment debts (1,264) Allowance for impaired debts 1,432 Disposal of a subsidiary (2,158) Effect of movement in exchange rates (97) At 31 December 2017 7,288 NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2017 259 Overview Value Creation Accountability Financial Statements Sustainability Performance Data Shareholders Information 21 st AGM Information Management Discussion & Analysis