Page 198 - Exim iar24_Ebook

EXIM BANK MALAYSIA
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NOTES TO THE FINANCIAL STATEMENTS

42. FINANCIAL RISK MANAGEMENT POLICIES (cont’d)
Credit risk exposure
Maximum exposure to credit risk without taking into account of any collateral and other credit enhancements:

Maximum
exposure to Collateral Net
credit risk value exposures
RM’000 RM’000 RM’000
Group and Bank

2024
Credit exposure for on-balance sheet assets:

Cash and bank balances 26,699 - 26,699
Deposits and placements with banks and other financial institutions 1,278,340 - 1,278,340

Financial investments* 858,536 - 858,536
Loans, advances and financing 3,282,287 1,893,210 1,389,077

Reinsurance contract assets 3,936 - 3,936
Other assets excluding tax prepayment 30,378 - 30,378
5,480,176 1,893,210 3,586,966

Credit exposure for off-balance sheet assets:

Banking operations commitments 910,783 - 910,783
#
6,390,959 1,893,210 4,497,749
* Financial investments exclude investments in equities.
# Banking operation commitments are netting off expected credit losses.