4. CREDIT RISK (CONTINUED) 4.9 Credit Risk Mitigation (CRM) (continued) The Group manages its credit risk concentrations by diversifying its portfolios through several measures. The Group monitors credit risk limits via, among others, sector limits, programme limits, deviation limits and Single Counterparty Exposure Limits (SCEL). The following tables disclose the extent to which exposures are covered by eligible credit risk mitigants. Disclosure of Credit Risk Mitigation (CRM): 31 December 2022 Exposures before CRM Exposures covered by guarantees Exposures covered by eligible financial and non-financial collateral Exposure class RM’000 RM’000 RM’000 On-Balance Sheet Exposures Sovereign/Central Banks 12,113,373 – – Public Sector Entities 2,958,245 – 92,495 Banks, DFIs and MDBs 1,677,905 – – Corporates 19,498,516 2,533,329 1,281,624 Regulatory Retail 22,618,237 355,970 221,676 Residential Mortgages 25,971,590 447 94,862 Higher Risk Assets 2,538 – – Other Assets 2,819,804 – – Defaulted Exposures 1,601,818 290,778 118,332 Total for On-Balance Sheet Exposures 89,262,026 3,180,524 1,808,989 Off-Balance Sheet Exposures Credit-related Exposures 1,646,532 115 31,946 Derivative Financial Instruments 213,080 – – Defaulted Exposures 157,484 4,571 418 Total for Off-Balance Sheet Exposures 2,017,096 4,686 32,364 Total On and Off-Balance Sheet Exposures 91,279,122 3,185,210 1,841,353 Financial Statements 425 01 05 03 07 02 06 09 04 08 Bank Islam Malaysia Berhad
RkJQdWJsaXNoZXIy NDgzMzc=