Page 180 - annual-report-full

37. FINANCIAL RISK MANAGEMENT POLICIES (CONT’D)
Credit quality by class of financial assets (cont’d)
Credit quality by loans, advances and financing
For commercial exposures, the Group and the Bank use nine risk grades with rating ‘1’ representing the lowest risk. Meanwhile
for Sovereign exposures, the Group and the Bank use five risk grades with rating ‘A’ representing the lowest risk. The exposure
under each of these risk grades is as follows:
Neither Past due
past due but not
nor impaired impaired Impaired Total
RM’000 RM’000 RM’000 RM’000
2013
Commercial customer
Risk Rating 1 105,898 – – 105,898
Risk Rating 2 981,608 680 – 982,288
Risk Rating 3 957,343 1,565 – 958,908
Risk Rating 4 1,017,083 23,308 – 1,040,391
Risk Rating 5 539,970 20,645 – 560,615
Risk Rating 6 625,003 8,892 – 633,895
Risk Rating 7 94,766 6,082 – 100,848
Risk Rating 8 5,823 – – 5,823
Risk Rating 9 – – – –
Impaired – – 884,357 884,357
4,327,494 61,172 884,357 5,273,023
Sovereign
Risk Rating A – – – –
Risk Rating B 12,973 – – 12,973
Risk Rating C 225,719 – – 225,719
Risk Rating D 80,644 – – 80,644
Risk Rating E 244,312 – – 244,312
563,648 – – 563,648
4,891,142 61,172 884,357 5,836,671
NOTESTOTHEFINANCIALSTATEMENTS
31 DECEMBER 2013
178 EXIM Bank Annual Report 2013