4. CREDIT RISK (CONTINUED) 4.10 Off-Balance Sheet and Counterparties Credit Risk for the Group and the Bank (continued) (ii) As at 31 December 2020 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 449,506 449,506 442,426 Assets sold with recourse – – – Transaction related contingent items 899,541 449,770 436,481 Short term self–liquidating trade related contingencies 592,744 118,549 117,165 Other commitments, such as formal standby facilities and credit lines, with an original maturity of: – not exceeding one year – – – – exceeding one year 938,247 469,124 362,317 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 8,676,980 – – 11,557,018 1,486,949 1,358,389 Derivative Financial Instruments Foreign exchange related contracts – less than one year 8,518,422 59,494 143,217 60,587 – 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 114,056 2,171 5,414 4,045 – five years and above – – – – Equity related contracts – less than one year – – – – – one year to less than five years – – – – – Five years and above – – – – 8,632,478 61,665 148,631 64,632 Total 20,189,496 61,665 1,635,580 1,423,021 PILLAR 3 DISCLOSURE as at 31 December 2021 BANK I SLAM MALAYS IA BERHAD 420
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