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EXIM BANK MALAYSIA                                                                               ANNUAL REPORT 2024

             7 FINANCIAL STATEMENTS                                                                               143
            NOTES TO THE FINANCIAL STATEMENTS






            9.   LOANS, ADVANCES AND FINANCING (cont’d)

                 (iii)  Gross loans, advances and financing analysed by interest/profit rate sensitivity are as follows:
                                                                                                     Group and Bank
                                                                                                    2024        2023
                                                                                                  RM’000      RM’000
                    Conventional
                      Fixed rate                                                                 112,430      126,485
                      Variable rate                                                             2,430,250   3,084,714
                    Islamic
                      Fixed rate                                                                  14,725        3,070
                      Variable rate                                                             2,392,059   1,635,285
                                                                                                4,949,464   4,849,554

                 (iv)  Gross loans, advances and financing analysed by geographical area are as follows:
                                                                                                     Group and Bank
                                                                                                    2024        2023
                                                                                                  RM’000      RM’000
                    Malaysia                                                                    2,172,749   2,093,764
                    East Asia                                                                   1,663,797   1,812,242
                    South Asia                                                                   106,174      319,813
                    Central Asia                                                                 387,818      188,681
                    Middle East                                                                  138,272       86,425
                    Africa                                                                       125,216       26,225
                    Europe                                                                       337,031       92,706
                    America                                                                            -      127,070
                    Oceania                                                                       18,407      102,628
                                                                                                4,949,464   4,849,554

                 (v)  Gross loans, advances and financing analysed by industry are as follows:

                                                                                                     Group and Bank
                                                                                                    2024        2023
                                                                                                  RM’000      RM’000
                    Primary agriculture                                                           12,434       12,828
                    Manufacturing                                                               1,304,915     932,719
                    Transport, storage and communication                                         890,476      991,484
                    Construction                                                                 599,091      751,527
                    Wholesale and retail trade, and restaurants and hotels                       464,409      314,569
                    Others                                                                      1,678,139   1,846,427
                                                                                                4,949,464   4,849,554
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