4. CREDIT RISK (CONTINUED) 4.5 Credit Quality of Gross Financing and Advances (continued) (d) Gross Financing and Advances – Exposures by Geographical Areas (continued) 31 December 2022 RM’000 Of Which: Gross Financing Past Due But Not Impaired Financing Impaired Financing Individual Allowances Collective Allowances Central Region 30,904,086 306,748 510,998 290,032 422,768 Eastern Region 9,980,174 93,516 95,756 8,580 77,717 Northern Region 8,825,148 90,902 146,491 – 88,023 Southern Region 11,281,525 118,043 55,567 4,005 96,403 East Malaysia Region 4,950,924 59,593 26,420 279 52,056 Grand Total 65,941,857 668,802 835,232 302,896 736,967 4.6 Gross Credit Exposures (a) Geographic Distribution of Credit Exposures (i) Group 31 December 2023 Exposure Class Central Region RM’000 Eastern Region RM’000 Northern Region RM’000 Southern Region RM’000 East Malaysia Region RM’000 Total RM’000 Credit Risk On-Balance Sheet Exposures Sovereign/Central Banks 10,662,724 – – – – 10,662,724 Public Sector Entities 736,601 103,061 51,956 402,699 22,369 1,316,687 Banks, Developments Financial Institutions and Multilateral Development Banks 844,978 – – – – 844,978 Corporate 19,053,904 941,025 876,003 1,174,168 638,177 22,683,276 Regulatory Retail 10,869,098 4,696,240 4,138,004 4,212,947 3,082,847 26,999,136 Residential Mortgages 8,870,580 4,425,630 4,088,685 5,653,467 1,337,431 24,375,792 Higher Risk Assets 1,667 730 1,218 426 168 4,209 Other Assets 3,243,286 – – – 248,605 3,491,891 Total for On-Balance Sheet Exposures 54,282,838 10,166,686 9,155,866 11,443,705 5,329,597 90,378,693 Off-Balance Sheet Exposures Credit-related Exposures 331,299 1,367,351 42,569 – 2,448 1,743,667 Derivative Financial Instruments 177,344 – – – – 177,344 Total for Off-Balance Sheet Exposures 508,643 1,367,351 42,569 – 2,448 1,921,011 Total On and Off-Balance Sheet Exposures 54,791,481 11,534,037 9,198,435 11,443,705 5,332,045 92,299,705 427 www.bankislam.com 1 2 3 4 5 6 7 8 9 FINANCIAL STATEMENTS
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