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ANNUAL REPORT 2021 199

Notes to the fiNaNcial statemeNts

42. financial risk management POlicies (cOnt’D.)

Credit risk exposure (cont’d.)
Industrial analysis (cont’d.)
Off-balance sheet exposure

Insurance
Banking Insurance operation
operation operation medium/
Group and Bank commitments short term long term Total
RM’000 RM’000 RM’000 RM’000

2021
Manufacturing 455,474 307,776 46,755 810,005
Transport, storage and communication 194,895 - - 194,895
Construction 26,071 - 227,826 253,897
Electricity, gas and water supply 4,000 - - 4,000
Finance, insurance, real estate and business activities 137,714 - - 137,714
Wholesale and retail trade and restaurants and hotels 62,650 11,293 - 73,943
Government - - - -
Mining and quarrying 127,106 - 3,186 130,292
Primary Agriculture 250,945 - - 250,945

1,258,855 319,069 277,767 1,855,691

2020
Manufacturing 711,465 436,464 63,492 1,211,421
Transport, storage and communication 813,388 - - 813,388
Construction 25,327 - 219,730 245,057
Electricity, gas and water supply 21,332 - - 21,332
Finance, insurance, real estate and business activities 258,341 - - 258,341
Wholesale and retail trade and restaurants and hotels 108,871 18,261 - 127,132
Government - - - -
Mining and quarrying 251,402 - 3,073 254,475
Primary agriculture 85,706 - - 85,706
Education, health and others - - 80,340 80,340

2,275,832 454,725 366,635 3,097,192