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368 BANK MUAMALAT MALAYSIA BERHAD About Us Our Leadership Our Strategy
ANNUAL REPORT FY2020

BASEL II
PILLAr 3 DISCLOSurE

4.0 CrEDIT rISk (GENErAL DISCLOSurE) (CONT’D)
Credit risk Exposures and Credit risk Concentration (cont’d)

Table 8: Credit risk exposures and credit risk concentration by sector analysis (cont’d)
Finance, Agriculture,
takaful manufacturing,
Government and wholesale, Construction Purchase of
and statutory business retail and and transport
Bank bodies services restaurant real estate vehicles household Others Total
31 December 2019 rM’000 rM’000 rM’000 rM’000 rM’000 rM’000 rM’000 rM’000

On balance sheet exposures
Cash and short-term funds - 1,011,225 - - - - - 1,011,225
Cash and placements with
financial institutions - 53,925 - - - - - 53,925
Investment accounts due from
designated financial instituition - - - - - - - -
Financial investments at fair value
through profit and loss 139,684 169,109 - - - - - 308,793
Financial investments at fair value
through other comprehensive income 3,308,676 216,283 287,603 57,028 - - 732,809 4,602,399
Financial assets at amortised cost - - 103,162 - - - - 103,162
Islamic derivative financial assets - 21,859 - - - - - 21,859
Financing of customers 1,006,880 885,384 1,774,709 1,632,750 - 10,108,441 449,179 15,857,343
Statutory deposits with
Bank Negara Malaysia 568,768 - - - - - - 568,768
Other assets - - - - - - 40,780 40,780
5,024,008 2,357,785 2,165,474 1,689,778 - 10,108,441 1,222,768 22,568,254

Commitments and contingencies
Contingent liabilities 31,051 40,973 124,600 329,351 4,302 6,827 161,568 698,672
Commitments 15,747 114,302 381,940 239,210 1,155 52,898 852,287 1,657,539
Derivative financial instruments - 4,240,283 - - - - - 4,240,283
46,798 4,395,558 506,540 568,561 5,457 59,725 1,013,855 6,596,494
Total credit exposures 5,070,806 6,753,343 2,672,014 2,258,339 5,457 10,168,166 2,236,623 29,164,748