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Management Discussion and Analysis  Ensuring Sustainability  Commitment to Lead  Upholding Accountability  Financial Statements  205


            Notes to the fiNaNcial statemeNts









            43.  FINANCIAL rISk MANAGEMENT PoLICIES (cont’d)
                 Credit risk exposure (cont’d)

                 Geographical analysis (cont’d)
                 Off-balance sheet exposure

                                                                                                Insurance
                                                                         Banking    Insurance   operation
                                                                       operation    operation    medium/
                                                                    commitments    short term   long term       Total
                                                                         rM’000      rM’000       rM’000      rM’000

                 Group and Bank
                 2023

                 East Asia                                                9,495       79,424     192,780      281,699
                 Central Asia                                                 -            -           -           -
                 South Asia                                              12,113       43,943     118,353      174,409
                 Middle East                                                  -       12,291           -       12,291
                 Africa                                                  36,720        9,203      37,179       83,102
                 Europe                                                       -       12,135           -       12,135
                 America                                                      -       13,870           -       13,870
                 Oceania                                                  1,252       15,270           -       16,522
                                                                       1,167,424     300,849     348,312    1,816,585

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

                 2022
                 East Asia                                               15,767       58,453     184,380      258,600
                 Central Asia                                                 -            -           -           -
                 South Asia                                                   -       48,571      26,274       74,845
                 Middle East                                                  -       27,675           -       27,675
                 Africa                                                  26,340        3,811      55,753       85,904
                 Europe                                                       -        6,550           -        6,550
                 America                                                      -       22,893           -       22,893
                 Oceania                                                      -       20,344           -       20,344
                                                                        630,192      326,097     266,407    1,222,696
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