4. CREDIT RISK (CONTINUED) 4.6 Gross Credit Exposures (continued) (c) Residual Contractual Maturity Breakdown (continued) (ii) Bank 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 246,541 25,240 0 271,781 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 1,522,260 0 1,512,330 3,034,590 Total for On-Balance Sheet Exposures 13,077,990 14,556,268 67,326,429 94,960,688 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 14,128,527 14,964,201 68,070,712 97,163,440 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 460 Pillar 3 Disclosure as at 31 December 2024
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