41. FINANCIAL RISK MANAGEMENT (CONTINUED) (b) Credit risk (continued) Maximum exposure to credit risk (continued) (b) Financing, advances and others (continued) Relief and support measures (continued) 2021 Matured and repaying as per revised schedules RM’000 Extended RM’000 Missed payments RM’000 Total granted RM’000 Consumer 13,709,948 19,987,014 267,364 33,964,326 Mortgages 8,939,906 11,242,682 166,485 20,349,073 Hire purchase 50,421 446,387 12,971 509,779 Personal financing 4,719,621 8,297,945 87,908 13,105,474 Commercial 288,137 1,972,308 51,084 2,311,529 of which SME 207,125 1,065,715 34,177 1,307,017 Corporate 1,022,145 964,132 – 1,986,277 15,020,230 22,923,454 318,448 38,262,132 As a percentage of total: Consumer 40.4% 58.8% 0.8% 100.0% Mortgages 43.9% 55.3% 0.8% 100.0% Hire purchase 9.9% 87.6% 2.5% 100.0% Personal financing 36.0% 63.3% 0.7% 100.0% Commercial 12.5% 85.3% 2.2% 100.0% of which SME 15.9% 81.5% 2.6% 100.0% Corporate 51.5% 48.5% 0.0% 100.0% 39.3% 59.9% 0.8% 100.0% (c) Financial guarantee contracts (“FGC”) FGCs mainly comprise guarantees to customers, standby or documentary letters of credit and performance related contingencies. The Group and the Bank will typically have recourse to specific assets pledged as collateral in the event of a default by a party for which the Group and the Bank have guaranteed its obligations to a third party. (d) Financing commitments Financing commitments mainly comprise irrevocable financing commitments to finance a customer provided there is no breach of any condition established in the contract. If such financing commitments are drawn down by the customer there will typically be specific collateral requirements that will need to be satisfied by the customer in order to access credit facilities. Notes to the financial statements for the financial year ended 31 December 2022 Integrated Report 2022 336
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