Bank Islam Integrated Annual Report 2020

39. FINANCIAL RISK MANAGEMENT (CONTINUED) (d) Liquidity risk (continued) Contractual maturity of financial liabilities on an undiscounted basis The table below present the cash flows payable by the Bank under financial liabilities by remaining contractual maturities at the end of the reporting period. The amounts disclosed in the table are the contractual undiscounted cash flows: Bank As at 31 December 2020 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 Financial Liabilities Deposits from customers 30,022,422 8,429,037 5,879,065 5,061,386 1,919,877 51,311,787 Investment accounts of customers 7,610,826 2,240,679 1,930,504 630,355 7,427 12,419,791 Derivative financial liabilities 256 2,183 7,528 30,583 349,233 389,783 Forward contract 11 – – – – 11 Islamic Profit Rate Swap 245 2,183 7,528 30,583 349,233 389,772 Bills and acceptance payable 29,621 – – – – 29,621 Recourse obligations on financing sold to Cagamas 5,913 11,826 17,739 35,478 1,600,520 1,671,476 Subordinated Sukuk Murabahah – 7,356 27,700 35,834 2,253,966 2,324,856 Other liabilities 1,094,136 – – – 59,523 1,153,659 Lease liabilities 2,568 5,135 7,607 14,891 446,908 477,109 38,765,742 10,696,216 7,870,143 5,808,527 6,637,454 69,778,082 Commitments and Contingencies Direct credit substitutes 33,126 27,503 59,186 86,857 243,675 450,347 Transaction related contingent items 57,950 45,608 73,025 250,072 472,045 898,700 Short-term self liquidating trade relate contingencies 44,964 81,656 22,385 2,500 441,239 592,744 136,040 154,767 154,596 339,429 1,156,959 1,941,791 There is no disclosure for the Group as the Group’s figures are not materially different from the Bank’s figures. Notes to the financial statements for the financial year ended 31 December 2020 296 Financ ial Statement s Accountabi l i t y Addi t ional Informat ion