Page 291 - Bank-Muamalat-Annual-Report-2021

ANNUAL REPORT 2021 289
SUSTAINABILITY STATEMENT OUR GOVERNANCE OUR NUMBERS OTHER INFORMATION

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 (cont’d.)

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

2020
On Balance sheet exposures
Cash and short-term funds 2,794,518 138,654 2,794,518 138,654
Cash and placements with
financial institutions 30,417 - 30,417 -
Financial investments designated
at fair value through profit and loss 148,084 165,252 148,084 165,252
Financial investments at fair value
through other comprehensive income 3,798,965 - 3,796,498 -
Financial investments amortised cost 105,544 - 105,544 -
Islamic derivative financial assets 47,820 - 47,820 -
Financing of customers 18,115,817 - 18,110,202 -
Statutory deposits with
Bank Negara Malaysia 95,255 - 95,255 -
Other assets 113,167 3 112,343 3

25,249,587 303,909 25,240,681 303,909
commitments and contingencies
Contingent liabilities 731,381 - 731,381 -
Commitments 1,652,479 - 1,652,479 -
Other Miscellaneous Commitment
and Contingent Liabilities 7,102 - 7,102 -
Islamic derivative financial instruments 4,526,523 - 4,526,523 -
6,917,485 - 6,917,485 -

Total credit exposures 32,167,072 303,909 32,158,166 303,909