4. CREDIT RISK (CONTINUED) 4.8 Disclosures of Rated and Unrated Exposures According to Ratings by ECAI of the Bank (continued) e) Ratings of Corporate by Approved ECAIs (continued) Ratings of Corporate by Approved ECAIs 31 December 2023 Exposure Class Moody’s S&P Fitch RAMs MARC Aaa to Aa3 AAA to AAAAA to AAAAA to AA3 AAA to AAA1 to A3 A+ to AA+ to AA to A3 A+ to ABaa1 to Baa3 BBB+ to BBBBB+ to BBBBB to BB BBB+ to BBB+ to C B+ to D B+ to D B to D B+ to D Unrated Unrated Unrated Unrated Unrated On and Off Balance-Sheet Credit Exposures Public Sector Entities 256,303 – – – 1,048,570 Insurance Cos, Securities Firms & Fund Manager Corporate 4,531,025 19,968 87,256 24,366 19,044,411 Total 4,787,328 19,968 87,256 24,366 20,092,981 f) Ratings of Banking Institutions by Approved ECAIs Ratings of Banking Institutions by Approved ECAIs 31 December 2024 Exposure Class Moody’s S&P Fitch RAMs MARC Aaa to Aa3 AAA to AAAAA to AAAAA to AA3 AAA to AAA1 to A3 A+ to AA+ to AA to A3 A+ to ABaa1 to Baa3 BBB+ to BBBBB+ to BBBBBB1 to BBB3 BBB+ to BBBBa1+ to B3 BB+ to BBB+ to BBB1 to B3 BB+ to BCaa1 to C CCC+ to D CCC+ to D C1 to D C+ to D Unrated Unrated Unrated Unrated Unrated On and Off BalanceSheet Credit Exposures Banks, MDBs, and DFIs – 334,411 106 – – – 1,012,649 Total – 334,411 106 – – – 1,012,649 Ratings of Banking Institutions by Approved ECAIs 31 December 2023 Exposure Class Moody’s S&P Fitch RAMs MARC Aaa to Aa3 AAA to AAAAA to AAAAA to AA3 AAA to AAA1 to A3 A+ to AA+ to AA to A3 A+ to ABaa1 to Baa3 BBB+ to BBBBB+ to BBBBBB1 to BBB3 BBB+ to BBBBa1+ to B3 BB+ to BBB+ to BBB1 to B3 BB+ to BCaa1 to C CCC+ to D CCC+ to D C1 to D C+ to D Unrated Unrated Unrated Unrated Unrated On and Off BalanceSheet Credit Exposures Banks, MDBs, and DFIs 569,804 142,560 – – – 218,871 Total 569,804 142,560 – – – 218,871 Note: There are no exposures under Short-term ratings for the period under review. Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 470 Pillar 3 Disclosure as at 31 December 2024
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