Bank Islam Integrated Annual Report 2020

4. CREDIT RISK (CONTINUED) 4.8 Disclosures of Rated and Unrated Exposures According to Ratings by ECAI (continued) b) Ratings of Corporate by Approved ECAIs (continued) Ratings of corporate by approved ECAIS Moodys Aaa to Aa3 A1 to A3 Baa1 to Ba3 B+ to C Unrated S&P AAA to AA- A+ to A- BBB+ to BB- B+ to D Unrated Fitch AAA to AA- A+ to A- BBB+ to BB- B+ to D Unrated 31 December 2019 RAMs AAA to AA3 A to A3 BBB to BB B to D Unrated Exposure Class MARC AAA to AA- A+ to A- BBB+ to BB- B+ to D Unrated On and Off Balance-Sheet Credit Exposures Public Sector Entities 104,415 – – – 1,393,457 Insurance Cos, Securities Firms & Fund Manager – – – – – Corporate 3,972,160 36,311 91,708 – 16,727,652 Total 4,076,575 36,311 91,708 – 18,121,109 c) Ratings of Banking Institutions by Approved ECAIs Ratings of banking institutions by approved ECAIS Moodys Aaa to Aa3 A1 to A3 Baa1 to Baa3 Ba1+ to B3 Caa1 to C Unrated S&P AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- CCC+ to D Unrated Fitch AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- CCC+ to D Unrated 31 December 2020 RAMs AAA to AA3 A1 to A3 BBB1 to BBB3 BB1 to B3 C1 to D Unrated Exposure Class MARC AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- C+ to D Unrated On and Off Balance- Sheet Credit Exposures Banks, MDBs, and DFIs 450,463 5,526 – – – 158,965 Total 450,463 5,526 – – – 158,965 Ratings of banking institutions by approved ECAIS Moodys Aaa to Aa3 A1 to A3 Baa1 to Baa3 Ba1+ to B3 Caa1 to C Unrated S&P AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- CCC+ to D Unrated Fitch AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- CCC+ to D Unrated 31 December 2019 RAMs AAA to AA3 A1 to A3 BBB1 to BBB3 BB1 to B3 C1 to D Unrated Exposure Class MARC AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- C+ to D Unrated On and Off Balance- Sheet Credit Exposures Banks, MDBs, and DFIs 282,848 1,249 – – – 60,923 Total 282,848 1,249 – – – 60,923 Note: There are no exposures under Short-term ratings for the period under review. BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 355