4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (continued) (c) Residual Contractual Maturity Breakdown (continued) (i) Group (continued) 31 December 2022 Exposure Class Up To 1 Year RM’000 > 1 – 5 Years RM’000 Over 5 Years RM’000 Total RM’000 Credit Risk On-Balance Sheet Exposures Sovereign/Central Banks 6,612,283 2,713,450 2,787,640 12,113,373 Public Sector Entities 843,501 344,240 1,773,816 2,961,557 Banks, Developments Financial Institutions and Multilateral Development Banks 1,494,131 200,727 – 1,694,858 Corporate 5,711,877 7,526,468 7,581,253 20,819,598 Regulatory Retail 103,854 3,201,349 19,458,266 22,763,469 Residential Mortgages 28,135 145,653 25,929,990 26,103,778 Higher Risk Assets – 188 2,353 2,541 Other Assets 1,424,346 – 1,523,357 2,947,703 Total for On-Balance Sheet Exposures 16,218,127 14,132,075 59,056,675 89,406,877 Off-Balance Sheet Exposures Credit-related Exposures 799,082 399,012 605,922 1,804,016 Derivative Financial Instruments 212,579 501 – 213,080 Total for Off-Balance Sheet Exposures 1,011,661 399,513 605,922 2,017,096 Total On and Off-Balance Sheet Exposures 17,229,788 14,531,588 59,662,597 91,423,973 436 Pillar 3 Disclosure as at 31 December 2023 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2023
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