41. FINANCIAL RISK MANAGEMENT (CONTINUED) (b) Credit risk (continued) Concentration of credit risk for Group and Bank (continued) Group 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 – – – 342,004 127,1002,180,055 – 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 7,145,114 54,857 1,625 6,657,638 2,538,921 4,645,665 578,615 21,622,435 212,113 1,478,871 Education, health and others – – 3,902 817,133 10,1112,465,138 – 3,296,284 352,9271,814,482 Household sectors – – – – – 48,171,498 – 48,171,498 – 2,366,077 Other sectors – 10 14,531 1,842,680 116,564 – – 1,973,785 305,585 362,919 7,145,114 54,868 123,00012,017,378 3,055,25664,901,994 578,61587,876,225 1,926,256 9,201,594 * Financing commitments excluding derivative financial assets 358 Notes to the Financial Statements for the financial year ended 31 December 2023 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2023
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