4. CREDIT RISK (CONTINUED) 4.10 Off-Balance Sheet and Counterparties Credit Risk for the Group and the Bank (i) As at 31 December 2021 Principal amount Positive fair value of derivative contracts Credit equivalent amount Risk weighted asset Nature of item RM’000 RM’000 RM’000 RM’000 Credit related Exposures Direct credit substitutes 501,511 501,511 503,088 Assets sold with recourse – – – Transaction related contingent items 903,458 451,729 438,976 Short term self–liquidating trade related contingencies 417,940 83,588 83,012 Other commitments, such as formal standby facilities and credit lines, with an original maturity of: – not exceeding one year – – – – exceeding one year 1,246,592 623,295 503,494 Unutilised credit card lines – – – Any commitments that are unconditionally cancelled at any time by the bank without prior notice or that effectively provide for automatic cancellation due to deterioration in a customer’s creditworthiness 8,110,490 – – 11,179,991 1,660,123 1,528,570 Derivative Financial Instruments Foreign exchange related contracts – less than one year 7,505,850 25,120 114,431 66,277 – one year to less than five years – Five years and above – – – – Profit rate related contracts – less than one year – – – – – one year to less than five years 79,153 917 2,368 1,735 – five years and above – – – – Equity related contracts – less than one year – – – – – one year to less than five years – – – – – Five years and above – – – – 7,585,003 26,037 116,799 68,012 Total 18,764,994 26,037 1,776,922 1,596,582 INTEGRATED ANNUAL REPORT 202 1 419 Key Messages Overview Value Creation MD&A Sustainability Leadership Accountability Financial Additional Information
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