4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (continued) (a) Geographic Distribution of Credit Exposures (continued) (ii) Bank 31 December 2024 Exposure Class Central Region RM’000 Eastern Region RM’000 Northern Region RM’000 Southern Region RM’000 East Malaysia Region RM’000 Total RM’000 Credit Risk On-Balance Sheet Exposures Sovereign/Central Banks 11,320,058 – – – – 11,320,058 Public Sector Entities 3,271,935 88,473 44,275 414,655 15,233 3,834,571 Banks, Developments Financial Institutions and Multilateral Development Banks 271,781 – – – – 271,781 Corporate 18,554,406 877,699 862,660 1,006,559 655,306 21,956,629 Regulatory Retail 15,647,912 6,663,560 6,349,953 7,435,825 3,900,369 39,997,618 Residential Mortgages 5,503,438 2,789,661 2,368,128 3,036,247 844,393 14,541,866 Higher Risk Assets 1,380 611 1,148 291 143 3,573 Other Assets 2,679,261 – – – 355,329 3,034,590 Total for On-Balance Sheet Exposures 57,250,171 10,420,004 9,626,164 11,893,576 5,770,772 94,960,688 Off-Balance Sheet Exposures Credit-related Exposures 285,494 1,627,233 69,215 – – 1,981,943 Derivative Financial Instruments 220,810 – – – – 220,810 Total for Off-Balance Sheet Exposures 506,304 1,627,233 69,215 – – 2,202,753 Total On and Off-Balance Sheet Exposures 57,756,475 12,047,238 9,695,379 11,893,576 5,770,772 97,163,440 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 452 Pillar 3 Disclosure as at 31 December 2024
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