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398 BANK MUAMALAT MALAYSIA BERHAD About Us Our Leadership Our Strategy
ANNUAL REPORT FY2020
BASEL II
PILLAr 3 DISCLOSurE
6.0 CrEDIT rISk MITIGATION (“CrM”) DISCLOSurES uNDEr ThE STANDArDISED APPrOACh (CONT’D)
Table 18: Credit risk mitigation on credit exposures (cont’d)
Total
Exposures
Covered by
Eligible
Gross Financial *Net
Bank Exposures Collateral Exposures
31 December 2020 rM’000 rM’000 rM’000
Credit risk
(a) On Balance sheet exposures
Sovereign/Central Banks 6,058,325 - 6,058,325
Public Sector Entities 251,982 190 251,792
Banks, Development Financial Institution & MDBs 669,900 - 669,900
Corporates 6,509,247 107,939 6,401,308
Regulatory Retail 7,106,909 11,067 7,095,842
Residential Real Estate 4,640,167 - 4,640,167
Higher Risk Assets 826 - 826
Other Assets 440,330 - 440,330
Defaulted Exposures 107,289 - 107,289
25,784,975 119,196 25,665,779
(b) Off-Balance Sheet Exposures
Credit-related Off-Balance Sheet Exposure 1,115,215 - 1,115,215
Derivative Financial Instruments 148,181 - 148,181
1,263,396 - 1,263,396
Total Credit Exposures 27,048,371 119,196 26,929,175
* After netting and credit risk mitigation
