42. FINANCIAL RISK MANAGEMENT (CONTINUED) Overview (continued) (b) Credit risk (continued) Concentration of credit risk for Group and Bank Group 2024 Cash and short-term funds and deposits and placements with financial institutions RM’000 Financial assets at FVTPL RM’000 Derivative financial assets RM’000 Financial assets at FVOCI RM’000 Financial assets at AC RM’000 Financing, advances and others RM’000 Other financial assets at AC RM’000 On-Balance Sheet Total RM’000 Financial guarantee contracts RM’000 Financing commitments* RM’000 Primary agriculture – 24,792 – 86,325 157,452 484,344 – 752,913 3,272 223,528 Mining and quarrying – – – 156,527 – 273,272 – 429,799 120,470 320,852 Manufacturing (including agro-based) – – 364 170,520 – 512,010 – 682,894 96,758 526,731 Electricity, gas and water – 44,656 – 1,104,856 221,117 2,768,576 – 4,139,205 215,481 935,987 Wholesale & retail trade and hotels & restaurants – 14,348 38,953 – – 1,271,207 – 1,324,508 140,091 327,250 Construction – 25,055 – 2,476,935 426,820 1,178,703 – 4,107,513 635,579 1,866,469 Transport, storage and communications – 29,780 – 697,250 106,935 2,034,746 – 2,868,711 149,120 1,846,508 Finance, insurance, real estate and business activities 4,325,173 503,797 15,375 2,711,599 803,631 5,890,173 660,483 14,910,231 135,657 2,308,829 Education, health and others – 1,166,471 37,435 5,472,772 2,732,090 1,583,527 – 10,992,295 148,005 2,209,626 Household sectors – – – – – 53,484,695 – 53,484,695 5,609 2,187,259 Other sectors – – 344 1,022,574 159,902 – – 1,182,820 434,393 414,984 4,325,173 1,808,899 92,471 13,899,358 4,607,947 69,481,253 660,483 94,875,584 2,084,435 13,168,023 * Financing commitments excluding derivative financial assets Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 378 Notes to the Financial Statements for the financial year ended 31 December 2024
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