4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (a) Geographic Distribution of Credit Exposures (i) Group 31 December 2022 Central Region Eastern Region Northern Region Southern Region East Malaysia Region Total Exposure Class RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 Credit Risk On-Balance Sheet Exposures Sovereign/Central Banks 12,113,373 – – – – 12,113,373 Public Sector Entities 2,391,846 125,988 55,417 360,841 27,466 2,961,558 Banks, Developments Financial Institutions and Multilateral Development Banks 1,694,858 – – – – 1,694,858 Corporate 16,881,638 1,017,194 795,619 1,445,454 679,693 20,819,598 Regulatory Retail 8,900,694 4,070,123 3,642,169 3,606,221 2,544,262 22,763,469 Residential Mortgages 9,501,123 4,741,727 4,294,956 5,866,906 1,699,066 26,103,778 Higher Risk Assets 942 857 315 321 106 2,541 Other Assets 2,874,903 – – – 72,799 2,947,702 Total for On-Balance Sheet Exposures 54,359,377 9,955,889 8,788,476 11,279,743 5,023,392 89,406,877 Off-Balance Sheet Exposures Credit-related Exposures 1,389,368 64,284 115,307 84,268 150,789 1,804,016 Derivative Financial Instruments 213,080 – – – – 213,080 Total for Off-Balance Sheet Exposures 1,602,448 64,284 115,307 84,268 150,789 2,017,096 Total On and Off-Balance Sheet Exposures 55,961,825 10,020,173 8,903,783 11,364,011 5,174,181 91,423,973 Financial Statements 405 01 05 03 07 02 06 09 04 08 Bank Islam Malaysia Berhad
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