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398 BANK MUAMALAT MALAYSIA BERHAD

BASEL II
PILLAR 3 DISCLOSURE

6.0 CREDIT RISK MITIGATION (“CRM”) DISCLOSURES UNDER THE STANDARDISED APPROACH (CONT’D)

Table 17: Credit risk mitigation on credit exposures (cont’d)
Total
Exposures
Covered by
Eligible
Gross Financial *Net
Bank Exposures Collateral Exposures
31 December 2024 RM’000 RM’000 RM’000

Credit Risk
(a) On Balance sheet exposures
Sovereign/Central Banks - - -
Public Sector Entities 5,434,138 - 5,434,138
Banks, Development Financial Institution & MDBs 1,131,027 - 1,131,027
Takaful Cos, Securities Firms & Fund Managers 177,691 - 177,691
Corporates 1,700,787 - 1,700,787
Regulatory Retail 11,119,395 - 11,119,395
Residential Real Estate 12,735,194 - 12,735,194
Higher Risk Assets 10,669,536 - 10,669,536
Other Assets 45,714 - 45,714
Defaulted Exposures 366,681 - 366,681
43,380,163 - 43,380,163

(b) Off-Balance Sheet Exposures
Credit-related Off-Balance Sheet Exposure - - -
Islamic derivative financial instruments 1,899,212 - 1,899,212
1,899,212 - 1,899,212
Total Credit Exposures 45,279,375 - 45,279,375

* After netting and credit risk mitigation