4. CREDIT RISK (CONTINUED) 4.9 Credit Risk Mitigation (CRM) (continued) The Group manages its credit risk concentrations by diversifying its portfolios through several measures. The Group monitors credit risk limits via, among others, sector limits, programme limits, deviation limits and Single Counterparty Exposure Limits (SCEL). The following tables disclose the extent to which exposures are covered by eligible credit risk mitigants. Disclosure of Credit Risk Mitigation (CRM): 31 December 2021 Exposures before CRM Exposures covered by guarantees Exposures covered by eligible financial and non-financial collateral Exposure class RM’000 RM’000 RM’000 On-Balance Sheet Exposures Sovereign/Central Banks 9,052,249 – – Public Sector Entities 1,701,095 – 10,101 Banks, DFIs and MDBs 1,007,555 – – Corporates 19,388,649 706,085 1,224,343 Regulatory Retail 20,743,307 194,327 136,111 Residential Mortgages 23,669,331 452 100,983 Higher Risk Assets 3,173 – – Other Assets 1,846,888 – – Defaulted Exposures 1,128,766 384,941 69,715 Total for On-Balance Sheet Exposures 78,541,013 1,285,805 1,541,253 Off-Balance Sheet Exposures Credit-related Exposures 1,623,840 4,805 56,026 Derivative Financial Instruments 116,795 – – Defaulted Exposures 36,288 4,752 10 Total for Off-Balance Sheet Exposures 1,776,923 9,557 56,036 Total On and Off-Balance Sheet Exposures 80,317,936 1,295,362 1,597,289 INTEGRATED ANNUAL REPORT 202 1 417 Key Messages Overview Value Creation MD&A Sustainability Leadership Accountability Financial Additional Information
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