Page 210 - Exim iar24_Ebook
P. 210
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