Bank Islam Integrated Annual Report 2020

39. FINANCIAL RISK MANAGEMENT (CONTINUED) (b) Credit risk (continued) (i) Concentration of credit risk for Group and Bank (continued) Group 2019 Cash and short-term funds and deposits and placements with financial institutions RM’000 Financial assets at FVTPL RM’000 Derivative financial assets RM’000 Financial assets at FVOCI RM’000 Financing, advances and others RM’000 On-Balance Sheet Total RM’000 Financial guarantee contracts RM’000 Financing commitments* RM’000 Primary agriculture – – – 20,282 1,235,411 1,255,693 8,865 250,022 Mining and quarrying – – – – 420 420 10,145 44,278 Manufacturing (including agro-based) – – 30 62,973 819,640 882,643 136,235 449,484 Electricity, gas and water – – – 1,883,960 1,818,272 3,702,232 67,660 156,012 Wholesale & retail trade, and hotels & restaurants – – 18,926 – 881,485 900,411 127,255 280,678 Construction – – – 750,796 2,153,269 2,904,065 393,338 1,203,928 Transport, storage and communications – – 3 1,604,845 885,686 2,490,534 99,787 174,259 Finance, insurance, real estate and business activities 2,710,387 423,938 9,901 5,410,186 3,669,708 12,224,120 142,801 846,776 Education, health and others – – 47 683,042 1,112,776 1,795,865 560,120 982,567 Household sectors – – – – 36,895,855 36,895,855 – 796,966 Other sectors – – 4,419 1,683,597 – 1,688,016 404,281 3,876,106 2,710,387 423,938 33,326 12,099,681 49,472,522 64,739,854 1,950,487 9,061,076 * Financing commitments excluding derivative financial assets BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 273