Bank Islam Integrated Annual Report 2020

4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (continued) (a) Geographic Distribution of Credit Exposures (continued) (ii) Bank (continued) 31 December 2019 Central Region Eastern Region Northern Region Southern Region East Malaysia Region Total Exposure Class RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 Credit Risk On-Balance Sheet Exposures Sovereign/Central Banks 5,678,926 – – – – 5,678,926 Public Sector Entities 953,476 146,026 3,577 334,694 – 1,437,773 Banks, Developments Financial Institutions and Multilateral Development Banks 302,414 338 – 95 – 302,847 Corporate 16,403,066 878,478 617,583 1,282,629 535,135 19,716,891 Regulatory Retail 7,001,650 3,222,611 2,663,992 2,688,577 1,841,294 17,418,124 Residential Mortgages 7,579,007 3,584,070 3,373,791 3,950,039 1,232,560 19,719,467 Higher Risk Assets 2,170 790 257 126 903 4,246 Other Assets 2,813,493 – – – 82 2,813,575 Total for On-Balance Sheet Exposures 40,734,202 7,832,313 6,659,200 8,256,160 3,609,974 67,091,849 Off-Balance Sheet Exposures Credit-related Exposures 1,243,006 73,472 32,178 193,668 43,894 1,586,218 Derivative Financial Instruments 79,772 – – – – 79,772 Total for Off-Balance Sheet Exposures 1,322,778 73,472 32,178 193,668 43,894 1,665,990 Total On and Off-Balance Sheet Exposures 42,056,980 7,905,785 6,691,378 8,449,828 3,653,868 68,757,839 PILLAR 3 DISCLOSURE as at 31 December 2020 340 Financ ial Statement s Accountabi l i t y Addi t ional Informat ion