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372 BANK MUAMALAT MALAYSIA BERHAD

BASEL II
PILLAR 3 DISCLOSURE

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 2024 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 - 2,116,600 - - - - - 2,116,600
Deposits and placements with licensed
financial institutions - 502,166 - - - - - 502,166
Financial investments at FVTPL - - - - - - 12,209 12,209
Financial investments at FVOCI 4,100,765 1,169,956 50,452 210,034 640,027 - 1,398,737 7,569,971
Islamic derivative financial assets 7,957 4,825 1,714 - - - - 14,496
Financing of customers 936,362 2,533,867 2,167,419 1,935,806 356,390 23,748,359 666,070 32,344,273
Statutory deposits with
Bank Negara Malaysia 680,000 - - - - - - 680,000
Other financial assets * - - - - - - 26,167 26,167
5,725,084 6,327,414 2,219,585 2,145,840 996,417 23,748,359 2,103,183 43,265,882

Commitments and contingencies
Contingent liabilities - 141,582 243,003 509,471 69,215 2,597 797,511 1,763,379
Commitments - 270,702 456,369 369,219 67,268 623,353 344,688 2,131,599
Other Miscellaneous Commitment
and Contingent Liabilities - 401 32,862 20,465 1,127 294,867 - 349,722
Islamic derivative financial instruments 894,550 780,300 175,758 - - - - 1,850,608
894,550 1,192,985 907,992 899,155 137,610 920,817 1,142,199 6,095,308
Total credit exposures 6,619,634 7,520,399 3,127,577 3,044,995 1,134,027 24,669,176 3,245,382 49,361,190

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