4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (continued) (b) Distribution of Credit Exposures by Sector (continued) (ii) Bank (continued) 31 December 2020 Primary Agriculture Mining and Quarrying Manufacturing Electricity, Gas and Water Wholesale & Retail Trade and Restaurant & Hotels Construction Real Estate Transport, Storage & Communication Finance, Insurance and Business Services Education, Health and Others Household Sector Other Sectors Total Exposure Class RM‘000 RM‘000 RM‘000 RM‘000 RM‘000 RM‘000 RM‘000 RM ‘000 RM‘000 RM‘000 RM‘000 RM‘000 RM‘000 Credit Risk On-Balance Sheet Exposures Sovereign/Central Banks – – – – – – – – 5,246,069 – – 2,919,864 8,165,933 Public Sector Entities 955 – 112,118 – – 5,019 – – 197,842 1,284,423 283 – 1,600,640 Banks, Developments Financial Institutions and Multilateral Development Banks – – – – – – – 358,688 100,010 421 51,774 510,893 Corporate 1,119,668 64,577 1,099,232 3,315,698 660,832 3,539,328 2,015,830 2,024,878 3,869,985 598,072 135,552 1,891,608 20,335,260 Regulatory Retail 1,348 3,086 32,791 866 63,850 62,219 35,318 19,599 72,750 44,918 19,193,791 3,238 19,533,774 Residential Mortgages – 353 523 – – 111 – – – – 21,676,886 – 21,677,873 Higher Risk Assets – – – – – – – – – – 3,783 – 3,783 Other Assets – – – – – – – – – – – 1,786,255 1,786,255 Total for On-Balance Sheet Exposures 1,121,971 68,016 1,244,664 3,316,564 724,682 3,606,677 2,051,148 2,044,477 9,745,334 2,027,423 41,010,716 6,652,739 73,614,411 Off-Balance Sheet Exposures – Credit-related Exposures 25,805 12,986 99,159 58,429 81,990 383,333 64,458 64,311 89,116 177,241 259,166 170,955 1,486,949 Derivative Financial Instruments – – 72 – 64,886 600 – – 15,854 37,795 – 29,424 148,631 Total for Off-Balance Sheet Exposures 25,805 12,986 99,231 58,429 146,876 383,933 64,458 64,311 104,970 215,036 259,166 200,379 1,635,580 Total On and Off-Balance Sheet Exposures 1,147,776 81,002 1,343,895 3,374,993 871,558 3,990,610 2,115,606 2,108,788 9,850,304 2,242,459 41,269,882 6,853,118 75,249,991 PILLAR 3 DISCLOSURE as at 31 December 2021 BANK I SLAM MALAYS IA BERHAD 404
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