4. CREDIT RISK (CONTINUED) 4.9 Credit Risk Mitigation (CRM) (continued) (i) Group (continued) Disclosure of Credit Risk Mitigation (CRM) (continued): 31 December 2022 Exposure Class Exposures Before CRM RM’000 Exposures Covered by Guarantees RM’000 Exposures Covered by Eligible Financial and Non-Financial Collateral RM’000 On-Balance Sheet Exposures Sovereign/Central Banks 12,113,373 – – Public Sector Entities 2,958,245 – 92,495 Banks, DFIs and MDBs 1,694,858 – – Corporates 19,498,516 2,533,329 1,281,624 Regulatory Retail 22,618,237 355,970 221,676 Residential Mortgages 25,971,590 447 94,862 Higher Risk Assets 2,538 – – Other Assets 2,947,702 – – Defaulted Exposures 1,601,818 290,778 118,332 Total for On-Balance Sheet Exposures 89,406,877 3,180,524 1,808,989 Off-Balance Sheet Exposures Credit-related Exposures 1,646,532 115 31,946 Derivative Financial Instruments 213,080 – – Defaulted Exposures 157,484 4,571 418 Total for Off-Balance Sheet Exposures 2,017,096 4,686 32,364 Total On and Off-Balance Sheet Exposures 91,423,973 3,185,210 1,841,353 450 Pillar 3 Disclosure as at 31 December 2023 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2023
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