Page 395 - Bank-Muamalat_Annual-Report-2023

ANNUAL REPORT 2023
OUR NUMBERS

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 2022 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 - 1,235,454 - - - - - 1,235,454
Cash and placements with
financial institutions - 21,747 - - - - - 21,747
Financial investments at fair value
through profit and loss 152,598 - - - - - 26,946 179,544
Financial investments at fair value
through other comprehensive
income 4,725,990 165,844 80,574 - - - 239,243 5,211,651
Financial assets at amortised cost - - 113,589 - - - - 113,589
Islamic derivative financial assets - 4,247 - - - - - 4,247
Financing of customers 945,889 1,641,735 2,070,410 1,581,653 189,534 16,877,576 699,616 24,006,413
Statutory deposits with
Bank Negara Malaysia 417,091 - - - - - - 417,091
Other financial assets* - - - - - - 17,544 17,544
6,241,568 3,069,027 2,264,573 1,581,653 189,534 16,877,576 983,349 31,207,280

Commitments and contingencies
Contingent liabilities 87,057 98,387 163,217 507,580 109,689 4,312 84,687 1,054,929
Commitments 64,936 194,474 344,235 115,846 18,005 609,323 441,233 1,788,052
Other Miscellaneous Commitment
and Contingent Liabilities - 1,121 5,772 39,446 150 75,968 29,775 152,232
Islamic derivative financial instruments - 999,107 787,323 - - - - 1,786,430

151,993 1,293,089 1,300,547 662,872 127,844 689,603 555,695 4,781,643
Total credit exposures 6,393,561 4,362,116 3,565,120 2,244,525 317,378 17,567,179 1,539,044 35,988,923

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

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