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) Bank 2020 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 – – – 77,621 1,025,569 1,103,190 2,082 186,286 Mining and quarrying – – – – 64,894 64,894 16,014 80,830 Manufacturing (including agro-based) – – 9 53,677 962,181 1,015,867 143,149 579,419 Electricity, gas and water – 16,074 – 1,277,590 1,966,976 3,260,640 64,469 148,676 Wholesale & retail trade, and hotels & restaurants – – 37,921 – 897,828 935,749 128,968 401,704 Construction – – 393 906,545 2,632,171 3,539,109 515,506 1,679,249 Transport, storage and communications – – – 1,384,140 642,844 2,026,984 91,714 106,633 Finance, insurance, real estate and business activities 4,546,890 926,636 8,938 5,758,025 4,451,540 15,692,029 134,802 1,772,325 Education, health and others – – 746 870,928 1,152,752 2,024,426 515,978 1,837,248 Household sectors – – – – 40,873,880 40,873,880 – 946,401 Other sectors – – 13,658 2,165,514 – 2,179,172 329,109 1,876,456 4,546,890 942,710 61,665 12,494,040 54,670,635 72,715,940 1,941,791 9,615,227 * Financing commitments excluding derivative financial assets Notes to the financial statements for the financial year ended 31 December 2020 274 Financ ial Statement s Accountabi l i t y Addi t ional Informat ion