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            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 2019                                                  rM’000        rM’000        rM’000

                 Credit risk
                 (a)   On Balance sheet exposures
                     Sovereign/Central Banks                                     5,769,660            -      5,769,660
                     Public Sector Entities                                       254,601          167         254,434
                     Banks, Development Financial Institution & MDBs              372,996             -        372,996
                     Corporates                                                  5,888,645      100,581      5,788,064
                     Regulatory Retail                                           6,296,749        1,352      6,295,397
                     Residential Real Estate                                     3,746,935            -      3,746,935
                     Higher Risk Assets                                                -              -             -
                     Other Assets                                                 326,396             -        326,396
                     Defaulted Exposures                                          122,432             -        122,432

                                                                                22,778,413      102,100     22,676,314

                 (b)  Off-Balance Sheet Exposures
                     Credit-related Off-Balance Sheet Exposure                   1,018,330            -      1,018,330
                     Derivative Financial Instruments                             129,847             -        129,847
                                                                                 1,148,177            -      1,148,177

                     Total Credit Exposures                                     23,926,590      102,100     23,824,491

                 *  After netting and credit risk mitigation
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