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37. 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
Collateral
Net
exposure to
value
exposures
RM’000
RM’000
RM’000
Group and Bank
2013
Credit exposure for on-balance sheet assets:
Deposit and placement with banks
and other financial institutions
1,705,276
– 1,705,276
Investment securities
Available-for-sale
435,616
–
435,616
Held-to-maturity
10,005
–
10,005
Amount due from ECR debtors
382,345
–
382,345
Loans, advances and financing
5,301,508 5,233,435
68,073
7,834,750 5,233,435 2,601,315
Credit exposure for off-balance sheet assets:
Banking operations commitments
3,513,842
–
3,513,842
Insurance operations commitments
Short term
415,743
–
415,743
Medium/Long term
401,035
–
401,035
4,330,620
– 4,330,620
12,165,370 5,233,435 6,931,935
NOTESTOTHEFINANCIALSTATEMENTS
31 DECEMBER 2013
170
EXIM Bank Annual Report 2013