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EXIM BANK MALAYSIA
          208

          NOTES TO THE FINANCIAL STATEMENTS







          42.  FINANCIAL RISK MANAGEMENT POLICIES (cont’d)
              Credit quality by class of financial assets (cont’d)
              Credit quality of loans, advances and financing excluding ECR debtors and staff loans

              For commercial exposures, the Group and the Bank use ten risk grades with rating ‘1’ representing the lowest risk. Meanwhile
              for  Sovereign  exposures,  the  Group  and  the  Bank  use  five  risk  grades  with  rating  ‘aaa’  representing  the  lowest  risk.
              The exposure under each of these risk grades is as follows:

                                                                      Stage 1      Stage 2     Stage 3        Total
                                                                      RM’000       RM’000      RM’000       RM’000
              2024

              Commercial customer
                Risk Rating 3                                        207,743           -            -      207,743
                Risk Rating 4                                        352,329           -            -      352,329
                Risk Rating 5                                        743,697      351,497           -    1,095,194
                Risk Rating 6                                        588,700       65,546           -      654,246
                Risk Rating 7                                        163,992       41,893           -      205,885
                Impaired                                                   -           -     2,017,855   2,017,855
                                                                    2,056,461     458,936    2,017,855   4,533,252

              Sovereign
                Risk Rating a-                                             -           -            -           -
                Risk Rating bb-                                            -       12,056           -       12,056
                Risk Rating b+                                             -           -            -           -
                Risk Rating ccc+                                           -        1,220           -        1,220
                Risk Rating ccc-                                           -      190,146           -      190,146
                                                                           -      203,422           -      203,422

                                                                    2,056,461     662,358    2,017,855   4,736,674
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