4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (continued) (c) Residual Contractual Maturity Breakdown (i) Group 31 December 2024 Exposure Class Up To 1 Year RM’000 > 1 – 5 Years RM’000 Over 5 Years RM’000 Total RM’000 Credit Risk On-Balance Sheet Exposures Sovereign/Central Banks 4,036,711 3,326,683 3,956,665 11,320,058 Public Sector Entities 398,876 607,404 2,828,292 3,834,571 Banks, Developments Financial Institutions and Multilateral Development Banks 248,856 35,699 0 284,555 Corporate 6,254,344 6,468,527 9,233,758 21,956,629 Regulatory Retail 611,094 3,967,564 35,418,960 39,997,618 Residential Mortgages 8,165 160,306 14,373,395 14,541,866 Higher Risk Assets – 543 3,030 3,573 Other Assets 1,556,704 284,633 1,512,330 3,353,667 Total for On-Balance Sheet Exposures 13,114,750 14,851,360 67,326,429 95,292,539 Off-Balance Sheet Exposures Credit-related Exposures 829,727 407,933 744,283 1,981,943 Derivative Financial Instruments 220,810 0 0 220,810 Total for Off-Balance Sheet Exposures 1,050,537 407,933 744,283 2,202,753 Total On and Off-Balance Sheet Exposures 14,165,287 15,259,293 68,070,712 97,495,292 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 458 Pillar 3 Disclosure as at 31 December 2024
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