Bank Islam Integrated Annual Report 2020

4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (continued) (c) Residual Contractual Maturity Breakdown (continued) (i) Group (continued) 31 December 2019 Up to 1 Year > 1 – 5 Years Over 5 Years Total Exposure Class RM’000 RM’000 RM’000 RM’000 Credit Risk On-Balance Sheet Exposures Sovereign/Central Banks 2,872,565 1,195,014 1,611,347 5,678,926 Public Sector Entities 104,753 674,863 658,157 1,437,773 Banks, Developments Financial Institutions and Multilateral Development Banks 83,507 217,026 2,738 303,271 Corporate 5,063,213 5,571,781 9,081,897 19,716,891 Regulatory Retail 187,285 3,153,282 14,077,557 17,418,124 Residential Mortgages 10,085 136,605 19,572,777 19,719,467 Higher Risk Assets – 21 4,225 4,246 Other Assets 1,941,202 – 882,864 2,824,066 Total for On-Balance Sheet Exposures 10,262,610 10,948,592 45,891,562 67,102,764 Off-Balance Sheet Exposures Credit-related Exposures 561,560 446,468 578,190 1,586,218 Derivative Financial Instruments 73,850 5,922 – 79,772 Total for Off-Balance Sheet Exposures 635,410 452,390 578,190 1,665,990 Total On and Off-Balance Sheet Exposures 10,898,020 11,400,982 46,469,752 68,768,754 PILLAR 3 DISCLOSURE as at 31 December 2020 346 Financ ial Statement s Accountabi l i t y Addi t ional Informat ion