4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (continued) (a) Geographic Distribution of Credit Exposures (continued) (ii) Bank (continued) 31 December 2020 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 8,165,933 – – – – 8,165,933 Public Sector Entities 1,060,099 143,574 46,935 344,404 5,628 1,600,640 Banks, Developments Financial Institutions and Multilateral Development Banks 510,473 330 – 90 – 510,893 Corporate 16,313,849 1,058,669 703,735 1,469,709 789,298 20,335,260 Regulatory Retail 7,778,636 3,565,676 3,034,206 3,072,934 2,082,322 19,533,774 Residential Mortgages 8,184,067 3,965,812 3,627,072 4,534,191 1,366,731 21,677,873 Higher Risk Assets 2,083 620 141 118 821 3,783 Other Assets 1,783,533 – – – 2,722 1,786,255 Total for On-Balance Sheet Exposures 43,798,673 8,734,681 7,412,089 9,421,446 4,247,522 73,614,411 Off-Balance Sheet Exposures Credit-related Exposures 1,217,355 60,569 40,546 120,305 48,174 1,486,949 Derivative Financial Instruments 148,631 – – – – 148,631 Total for Off-Balance Sheet Exposures 1,365,986 60,569 40,546 120,305 48,174 1,635,580 Total On and Off-Balance Sheet Exposures 45,164,659 8,795,250 7,452,635 9,541,751 4,295,696 75,249,991 PILLAR 3 DISCLOSURE as at 31 December 2021 BANK I SLAM MALAYS IA BERHAD 400
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