41. FINANCIAL RISK MANAGEMENT (CONTINUED) (b) Credit risk (continued) Concentration of credit risk for Group and Bank Group 2023 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 – – – 15,293 – 831,056 – 846,349 3,382 89,086 Mining and quarrying – – – 52,836 – 124,002 – 176,838 8,156 55,319 Manufacturing (including agro-based) – – 354 20,403 – 591,500 – 612,257 114,405 490,968 Electricity, gas and water – – – 670,286 25,124 2,314,313 – 3,009,723 53,452 158,365 Wholesale & retail trade and hotels & restaurants – – 34,681 – – 1,203,418 – 1,238,099 149,074 260,793 Construction – 13,801 – 1,523,938 245,705 1,419,746 – 3,203,190 427,358 1,443,611 Transport, storage and communications – 9,641 5 1,217,136 39,847 2,779,934 – 4,046,563 106,752 801,402 Finance, insurance, real estate and business activities 4,714,465 678,384 8,485 2,647,834 889,522 5,720,486 826,056 15,485,232 269,414 1,619,124 Education, health and others – 417,999 11,394 4,771,120 1,875,465 1,608,716 – 8,684,694 290,207 1,649,259 Household sectors – – – – – 50,223,944 – 50,223,944 6,572 2,086,437 Other sectors – 74,145 13,493 1,511,580 44,567 – – 1,643,785 605,940 2,138,183 4,714,465 1,193,970 68,412 12,430,426 3,120,230 66,817,115 826,056 89,170,674 2,034,712 10,792,547 * Financing commitments excluding derivative financial assets 357 1 2 3 4 5 6 7 8 9 www.bankislam.com FINANCIAL STATEMENTS
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