Bank Islam Integrated Annual Report 2020

39. FINANCIAL RISK MANAGEMENT (CONTINUED) (d) Liquidity risk (continued) Maturity analysis (continued) Bank As at 31 December 2019 On demand RM’000 Up to 1 month RM’000 >1 to 3 months RM’000 >3 to 6 months RM’000 >6 to 12 months RM’000 Over 1 year RM’000 Total RM’000 Assets Cash and short-term funds and deposits and placements with financial institutions 821,071 2,650,438 – – – – 3,471,509 Financial assets at FVTPL – 233,505 149,760 30,227 – 243,951 657,443 Derivative financial assets – 21,131 9,648 847 – 1,700 33,326 Financial assets at FVOCI – 47,698 306,846 637,331 1,179,265 9,976,238 12,147,378 Financing, advances and others – 1,656,360 2,048,159 625,811 285,044 44,857,148 49,472,522 Other financial assets at amortised cost 133,489 – – – – – 133,489 Statutory deposits with Bank Negara Malaysia 1,170,136 – – – – – 1,170,136 Total assets 2,124,696 4,609,132 2,514,413 1,294,216 1,464,309 55,079,037 67,085,803 Liabilities Deposits from customers 15,816,181 7,664,989 10,050,093 4,188,251 7,598,225 2,159,133 47,476,872 Investment accounts of customers 3,211,343 1,120,694 2,655,565 2,358,169 880,619 13,983 10,240,373 Derivative financial liabilities – 6,802 16,640 12,402 83 819 36,746 Bills and acceptance payable 49,084 – – – – – 49,084 Recourse obligations on financing sold to Cagamas – – – – – 1,501,187 1,501,187 Subordinated Sukuk Murabahah – – – 8,694 – 1,300,000 1,308,694 Other liabilities 769,494 – – – – – 769,494 Lease liabilities – 1,166 1,775 2,849 6,466 313,303 325,559 Total liabilities 19,846,102 8,793,651 12,724,073 6,570,365 8,485,393 5,288,425 61,708,009 Net liquidity gap on statement of financial position (17,721,406) (4,184,519) (10,209,660) (5,276,149) (7,021,084) 49,790,612 5,377,794 Commitments and contingencies – 5,599,469 3,048,462 1,775,866 2,884,732 4,105,652 17,414,181 Net liquidity gap (17,721,406) (9,783,988) (13,258,122) (7,052,015) (9,905,816) 45,684,960 (12,036,387) BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 295