Page 394 - Bank-Muamalat_Annual-Report-2023

BANK MUAMALAT MALAYSIA BERHAD

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 Transport
and statutory business retail and and Storage and
Bank bodies services restaurant real estate Communication Household Others Total
31 December 2023 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 - 3,039,191 - - - - - 3,039,191
Financial investments at fair value
through profit and loss - 5,112 - - - - 25,984 31,096
Financial investments at fair value
through other comprehensive
income 4,635,767 700,591 595,821 61,400 - - 511,887 6,505,466
Financial assets at amortised cost - - 116,871 - - - - 116,871
Islamic derivative financial assets - 12,819 - - - - - 12,819
Financing of customers 932,836 2,175,154 2,282,361 2,060,395 174,721 20,158,899 559,026 28,343,392
Statutory deposits with
Bank Negara Malaysia 583,809 - - - - - - 583,809
Other financial assets* - - - - - - 114,754 114,754
6,152,412 5,932,867 2,995,053 2,121,795 174,721 20,158,899 1,211,651 38,747,398

Commitments and contingencies
Contingent liabilities 86,689 63,660 171,419 424,536 172,983 3,988 78,168 1,001,443
Commitments 65,303 141,698 296,178 278,498 36,416 845,440 638,479 2,302,012
Other Miscellaneous Commitment
and Contingent Liabilities - 753 2,632 22,678 150 4,767 29,060 60,040
Islamic derivative financial instruments - 1,350,626 936,737 - - - - 2,287,363
151,992 1,556,737 1,406,966 725,712 209,549 854,195 745,707 5,650,858

Total credit exposures 6,304,404 7,489,604 4,402,019 2,847,507 384,270 21,013,094 1,957,358 44,398,256

* These balances exclude balances which are not within the scope of MFRS 9, Financial Instruments.

392