4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (continued) (b) Distribution of Credit Exposures by Sector (ii) Bank 31 December 2024 Exposure Class Primary Agriculture RM’000 Mining and Quarrying RM’000 Manufacturing RM’000 Electricity, Gas and Water RM’000 Wholesale & Retail Trade and Restaurant & Hotels RM’000 Construction RM’000 Real Estate RM’000 Transport, Storage & Communication RM’000 Finance, Insurance and Business Services RM’000 Education, Health and Others RM’000 Household Sector RM’000 Other Sectors RM’000 Total RM’000 Credit Risk On-Balance Sheet Exposures Sovereign/Central Banks – – – – – – – – 3,307,272 8,012,787 – – 11,320,058 Public Sector Entities – – 98,104 – – 76,182 2,532,235 – 208,590 611,143 115 308,204 3,834,571 Banks, Developments Financial Institutions and Multilateral Development Banks – – – – – – – – 271,781 – – – 271,781 Corporate 725,557 404,077 784,548 3,834,419 1,044,720 3,886,122 1,823,036 2,978,338 4,788,162 810,362 26,784 850,506 21,956,629 Regulatory Retail 15,483 7,685 59,784 9,896 252,347 137,536 36,239 21,440 95,120 73,532 39,283,161 5,396 39,997,618 Residential Mortgages – – 164 – – – – – – – 14,541,702 – 14,541,866 Higher Risk Assets – – – – – – – – – – 3,573 – 3,573 Other Assets – – – – – – – – – – 2,531 3,032,059 3,034,590 Total for On-Balance Sheet Exposures 741,040 411,761 942,599 3,844,315 1,297,066 4,099,840 4,391,510 2,999,778 8,670,925 9,507,823 53,857,865 4,196,165 94,960,688 Off-Balance Sheet Exposures Credit-related Exposures 4,361 71,526 82,922 286,748 81,821 421,381 77,854 90,202 74,753 248,791 291,892 249,691 1,981,943 Derivative Financial Instruments – – 1,314 981 826 24 – – 108,514 109,150 – – 220,810 Total for Off-Balance Sheet Exposures 4,361 71,526 84,236 287,729 82,647 421,405 77,854 90,202 183,268 357,941 291,892 249,691 2,202,753 Total On and Off-Balance Sheet Exposures 745,402 483,288 1,026,835 4,132,044 1,379,714 4,521,244 4,469,364 3,089,980 8,854,192 9,865,764 54,149,757 4,445,855 97,163,440 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 456 Pillar 3 Disclosure as at 31 December 2024
RkJQdWJsaXNoZXIy NDgzMzc=