4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (continued) (b) Distribution of Credit Exposures by Sector (continued) (i) Group (continued) 31 December 2022 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 – – – – – – – – 5,066,974 – – 7,046,399 12,113,373 Public Sector Entities 1,087 – – – – 68,478 23,260 – 296,354 2,572,172 206 – 2,961,557 Banks, Developments Financial Institutions and Multilateral Development Banks – – – – – – – – 1,616,853 – – 78,005 1,694,858 Corporate 950,160 57,811 685,073 2,443,393 836,658 3,272,988 1,878,143 4,084,110 4,100,132 544,740 193,302 1,773,088 20,819,598 Regulatory Retail 5,755 5,193 59,533 2,878 301,287 140,808 43,218 36,356 123,176 65,852 21,973,514 5,899 22,763,469 Residential Mortgages – – – – – – – – – – 26,103,778 – 26,103,778 Higher Risk Assets – – – – – – – – – – 2,542 – 2,542 Other Assets – – – – – – – – – – – 2,947,702 2,947,702 Total for On-Balance Sheet Exposures 957,002 63,004 744,606 2,446,271 1,137,945 3,482,274 1,944,621 4,120,466 11,203,489 3,182,764 48,273,342 11,851,093 89,406,877 Off-Balance Sheet Exposures Credit-related Exposures 2,098 5,688 165,008 97,426 102,407 433,849 12,300 102,594 141,396 122,381 438,449 180,420 1,804,016 Derivative Financial Instruments – – 668 – 105 – – 9 147,800 44,319 – 20,179 213,080 Total for Off-Balance Sheet Exposures 2,098 5,688 165,676 97,426 102,512 433,849 12,300 102,603 289,196 166,700 438,449 200,599 2,017,096 Total On and Off-Balance Sheet Exposures 959,100 68,692 910,282 2,543,697 1,240,457 3,916,123 1,956,921 4,223,069 11,492,685 3,349,464 48,711,791 12,051,692 91,423,973 432 Pillar 3 Disclosure as at 31 December 2023 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2023
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