Page 290 - Bank-Muamalat-Annual-Report-2021

288 bank MuaMalat Malaysia berhaD
ABOUT US OUR LEADERSHIP OUR STRATEGY OUR PERFORMANCE

NOTES TO THE FINANCIAL STATEMENTS
31 DECEMbEr 2021 (26 JAMADIL AwAL 1443H)

46. fINANcIAL RIsk MANAGeMeNT OBJecTIves AND POLIcIes (cONT’D.)

(a) credit risk (cont’d.)
(i) Maximum credit risk exposures and credit risk concentration (cont’d.)
By geographical analysis

The analysis of credit concentration risk of financial assets and commitments and contingencies of the Group
and the Bank categorised by geographical distribution (based on the geographical location where the credit risk
resides) are as follows:
Group Bank
Domestic Labuan Domestic Labuan
rM’000 rM’000 rM’000 rM’000

2021
On Balance sheet exposures
Cash and short-term funds 1,088,191 54,100 1,088,191 54,100
Cash and placements with
financial institutions 31,184 - 31,184 -
Financial investments designated
at fair value through profit and loss 152,891 168,385 152,891 168,385
Financial investments at fair value
through other comprehensive income 4,866,770 - 4,864,264 -
Financial investments amortised cost 107,109 - 107,109 -
Islamic derivative financial assets 5,437 - 5,437 -
Financing of customers 20,671,306 - 20,661,618 -
Statutory deposits with
Bank Negara Malaysia 130,148 - 130,148 -
Other assets 17,603 3 17,055 3

27,070,639 222,488 27,057,897 222,488
commitments and contingencies
Contingent liabilities 822,270 - 822,270 -
Commitments 1,613,142 - 1,613,142 -
Other Miscellaneous Commitment and
Contingent Liabilities 25,773 - 25,773 -
Islamic derivative financial instruments 2,830,597 - 2,830,597 -
5,291,782 - 5,291,782 -

Total credit exposures 32,362,421 222,488 32,349,679 222,488