4. CREDIT RISK (CONTINUED) 4.9 Credit Risk Mitigation (CRM) (continued) (i) Group The Group manages its credit risk concentrations by diversifying its portfolios through several measures. The Group monitors credit risk limits via, among others, sector limits, program limits, deviation limits and Single Counterparty Exposure Limits (SCEL). The following tables disclose the extent to which exposures are covered by eligible credit risk mitigants. Disclosure of Credit Risk Mitigation (CRM): 31 December 2024 Exposure Class Exposures Before CRM RM’000 Exposures Covered by Guarantees RM’000 Exposures Covered by Eligible Financial and Non-Financial Collateral RM’000 On-Balance Sheet Exposures Sovereign/Central Banks 11,320,058 – – Public Sector Entities 3,834,112 – 278,750 Banks, DFIs and MDBs 284,555 – – Corporates 20,681,634 1,098,584 1,300,796 Regulatory Retail 39,620,970 220 465,406 Residential Mortgages 14,527,893 – 55,655 Higher Risk Assets – – – Other Assets 3,353,667 – – Defaulted Exposures 1,669,649 160,586 181,617 Total for On-Balance Sheet Exposures 95,292,539 1,259,390 2,282,224 Off-Balance Sheet Exposures Credit-related Exposures 1,874,775 0 25,749 Derivative Financial Instruments 220,810 – – Defaulted Exposures 107,168 – – Total for Off-Balance Sheet Exposures 2,202,753 0 25,749 Total On and Off-Balance Sheet Exposures 97,495,292 1,259,390 2,307,973 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 472 Pillar 3 Disclosure as at 31 December 2024
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