4. CREDIT RISK (CONTINUED) 4.9 Credit Risk Mitigation (CRM) (continued) (ii) Bank Disclosure of Credit Risk Mitigation (CRM): 31 December 2023 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 10,662,724 – – Public Sector Entities 1,286,319 – 138,271 Banks, DFIs and MDBs 808,755 – – Corporates 20,599,807 2,211,261 1,210,643 Regulatory Retail 26,648,442 374,887 405,553 Residential Mortgages 24,350,408 185 74,062 Higher Risk Assets – – – Other Assets 3,087,415 – – Defaulted Exposures 2,494,124 125,472 245,546 Total for On-Balance Sheet Exposures 89,937,994 2,711,805 2,074,075 Off-Balance Sheet Exposures Credit-related Exposures 1,479,473 2,261 27,291 Derivative Financial Instruments 177,278 – – Defaulted Exposures 264,260 – 418 Total for Off-Balance Sheet Exposures 1,921,011 2,261 27,708 Total On and Off-Balance Sheet Exposures 91,859,006 2,714,066 2,101,784 451 www.bankislam.com 1 2 3 4 5 6 7 8 9 FINANCIAL STATEMENTS
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