41. FINANCIAL RISK MANAGEMENT (CONTINUED) (b) Credit risk (continued) (i) Concentration of credit risk for Group and Bank (continued) Bank 2022 Cash and short-term funds and deposits and placements with financial institutions RM’000 Financial assets at FVTPL RM’000 Derivative financial assets RM’000 Financial assets at FVOCI RM’000 Financial assets at AC RM’000 Financing, advances and others RM’000 Other financial assets at AC RM’000 On-Balance Sheet Total RM’000 Financial guarantee contracts RM’000 Financing commitments* RM’000 Primary agriculture – 1 – 70,348 – 867,280 – 937,629 2,617 88,331 Mining and quarrying – – – – – 110,359 – 110,359 11,187 97,809 Manufacturing (including agro-based) – – 41 35,704 – 595,433 – 631,178 97,623 744,130 Electricity, gas and water – – – 342,004 127,100 2,180,055 – 2,649,159 77,063 242,456 Wholesale & retail trade, and hotels & restaurants – – 102,892 – – 1,158,408 – 1,261,300 172,370 278,370 Construction – – – 991,318 216,897 1,914,249 – 3,122,464 576,307 1,350,187 Transport, storage and communications – – 9 1,260,553 45,663 2,793,909 – 4,100,134 118,464 377,962 Finance, insurance, real estate and business activities 7,128,159 54,857 1,625 6,657,638 2,538,921 4,645,665 480,595 21,507,460 212,113 1,478,871 Education, health and others – – 3,902 817,133 10,111 2,465,138 – 3,296,284 352,927 1,814,482 Household sectors – – – – – 48,171,498 – 48,171,498 – 2,366,077 Other sectors – – 14,531 1,842,680 116,564 – – 1,973,775 305,585 362,919 7,128,159 54,858 123,000 12,017,378 3,055,256 64,901,994 480,595 87,761,240 1,926,256 9,201,594 * Financing commitments excluding derivative financial assets Financial Statements 339 01 05 03 07 02 06 09 04 08 Bank Islam Malaysia Berhad
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