4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (a) Geographic Distribution of Credit Exposures (i) Group 31 December 2021 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 9,052,249 – – – – 9,052,249 Public Sector Entities 1,128,435 128,848 87,712 329,923 26,177 1,701,095 Banks, Developments Financial Institutions and Multilateral Development Banks 1,025,652 299 – 75 – 1,026,026 Corporate 16,303,740 1,080,165 728,181 1,464,805 783,541 20,360,432 Regulatory Retail 8,208,436 3,790,825 3,296,613 3,285,672 2,244,038 20,825,584 Residential Mortgages 8,764,194 4,344,115 3,924,785 5,174,453 1,536,322 23,743,869 Higher Risk Assets 1,921 438 217 98 668 3,342 Other Assets 1,936,666 – – – 611 1,937,277 Total for On-Balance Sheet Exposures 46,421,293 9,344,690 8,037,508 10,255,026 4,591,357 78,649,874 Off-Balance Sheet Exposures Credit-related Exposures 1,255,100 81,379 70,193 109,475 143,976 1,660,123 Derivative Financial Instruments 116,799 – – – – 116,799 Total for Off-Balance Sheet Exposures 1,371,899 81,379 70,193 109,475 143,976 1,776,922 Total On and Off-Balance Sheet Exposures 47,793,192 9,426,069 8,107,701 10,364,501 4,735,333 80,426,796 INTEGRATED ANNUAL REPORT 202 1 397 Key Messages Overview Value Creation MD&A Sustainability Leadership Accountability Financial Additional Information
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