4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (continued) (b) Distribution of Credit Exposures by Sector (i) Group 31 December 2023 Exposure Class Primary Agriculture RM’000 Mining and Quarrying RM’000 Manufacturing RM’000 Electricity, Gas and Water RM’000 Wholesale & Retail Trade and Restaurant & Hotels RM’000 Construction RM’000 Real Estate RM’000 Transport, Storage & Communication RM’000 Finance, Insurance and Business Services RM’000 Education, Health and Others RM’000 Household Sector RM’000 Other Sectors RM’000 Total RM’000 Credit Risk On-Balance Sheet Exposures Sovereign/Central Banks – – – – – – – – 4,237,180 6,425,545 – – 10,662,724 Public Sector Entities 1,466 – – – – 102,700 27,223 – 238,205 946,932 160 – 1,316,687 Banks, Developments Financial Institutions and Multilateral Development Banks – – – – – – – – 844,978 – – – 844,978 Corporate 852,717 95,815 674,077 2,840,104 931,054 3,152,442 3,020,336 4,017,966 3,929,665 812,598 36,040 2,320,462 22,683,276 Regulatory Retail 10,755 4,872 54,657 2,437 236,187 133,035 14,385 17,761 78,602 42,982 26,205,426 198,038 26,999,136 Residential Mortgages – – – – – – – – – – 24,375,792 – 24,375,792 Higher Risk Assets – – – – – – – – – – 4,209 – 4,209 Other Assets – – – – – – – – – – – 3,491,891 3,491,891 Total for On-Balance Sheet Exposures 864,939 100,686 728,733 2,842,541 1,167,241 3,388,177 3,061,944 4,035,727 9,328,630 8,228,056 50,621,627 6,010,392 90,378,693 Off-Balance Sheet Exposures Credit-related Exposures 2,457 6,239 81,263 225,694 88,414 352,994 160,079 70,082 109,065 133,230 301,442 212,710 1,743,667 Derivative Financial Instruments – – 787 – 64,106 – – 5 41,646 70,799 – – 177,344 Total for Off-Balance Sheet Exposures 2,457 6,239 82,050 225,694 152,520 352,994 160,079 70,086 150,711 204,028 301,442 212,710 1,921,011 Total On and Off-Balance Sheet Exposures 867,395 106,925 810,783 3,068,235 1,319,761 3,741,171 3,222,023 4,105,813 9,479,341 8,432,085 50,923,069 6,223,102 92,299,705 431 www.bankislam.com 1 2 3 4 5 6 7 8 9 FINANCIAL STATEMENTS
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