4. CREDIT RISK (CONTINUED) 4.9 Credit Risk Mitigation (CRM) (continued) (ii) Bank 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 271,781 – – 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 3,034,590 – – Defaulted Exposures 1,669,649 160,586 181,617 Total for On-Balance Sheet Exposures 94,960,688 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 0 – Total for Off-Balance Sheet Exposures 2,202,753 0 25,749 Total On and Off-Balance Sheet Exposures 97,163,440 1,259,390 2,307,973 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 474 Pillar 3 Disclosure as at 31 December 2024
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