4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (continued) (a) Geographic Distribution of Credit Exposures (continued) (ii) Bank 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 808,755 0 – – – 808,755 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 2,838,810 – – – 248,605 3,087,415 Total for On-Balance Sheet Exposures 53,842,140 10,166,686 9,155,866 11,443,705 5,329,597 89,937,994 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 54,350,782 11,534,037 9,198,435 11,443,705 5,332,045 91,859,006 429 www.bankislam.com 1 2 3 4 5 6 7 8 9 FINANCIAL STATEMENTS
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