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37. FINANCIAL RISK MANAGEMENT POLICIES (CONT’D)
Credit risk exposure (cont’d)
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
2012
Credit exposure for on-balance sheet assets:
Deposit and placement with banks
and other financial institutions
2,961,894
– 2,961,894
Investment securities
Available-for-sale
238,080
–
238,080
Held-to-maturity
10,008
–
10,008
Amount due from ECR debtors
572,570
–
572,570
Loans, advances and financing
3,151,128 2,646,044
505,084
Derivative asset
20,927
–
20,927
6,954,607 2,646,044 4,308,563
Credit exposure for off-balance sheet assets:
Banking operations commitments
2,242,452
–
2,242,452
Insurance operations commitments
Short term
1,422,414
– 1,422,414
Medium/Long term
149,142
–
149,142
3,814,008
–
3,814,008
10,768,615 2,646,044 8,122,571
EXIM Bank Annual Report 2013
171