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214 eXIM BANK MALAYsIA ANNUAL REPORT 2022

Notes to the fiNaNcial statemeNts

45. INSURaNCE RISkS (cont’d.)
Premium/contribution liability sensitivity analysis (cont’d.)

c. Change in Maintenance Expenses (“ME”)
Assumed ME of 5%. Changing this by 10% (to 5.5% and 4.5% respectively) points gives the following result:

2022 2021
Net Net
high Low high Low
B- rating B+ rating B- rating BBB- rating
points points points points
Estimated premium liabilities/contribution 8,611 8,591 12,075 12,047

d. Change in PRaD %
Assumed a premium PRAD of 40%. Changing this by 10% (to 44% and 36% respectively) gives the following result:

2022 2021
Net Net
high Low high Low
B- rating B+ rating B- rating BBB- rating
points points points points
Estimated premium liabilities 8,847 8,355 12,405 11,716