41. FINANCIAL RISK MANAGEMENT (CONTINUED) (c) Market risk (continued) (i) Profit rate risk The table below summarises the Group’s and the Bank’s exposure to profit rate risk. The table indicates average profit rates at the reporting date and the periods in which the financial instruments are repriced or mature, whichever is earlier. Group 2022 Banking book Trading book RM’000 Total RM’000 Effective profit rate % Up to 1 month RM’000 >1–3 months RM’000 >3–12 months RM’000 1–5 years RM’000 Over 5 years RM’000 Non–profit sensitive RM’000 Assets Cash and short-term funds and deposits and placements with financial institutions 6,327,678 – – – – 817,436 – 7,145,114 2.04 Financial assets at FVTPL – – – – – – 299,128 299,128 –0.07 Derivative financial assets – – – – – – 123,000 123,000 1.66 Financial assets at FVOCI 246,611 317,855 1,798,666 6,783,979 2,946,306 – – 12,093,417 2.92 Financial assets at amortised cost – 208,783 966,785 1,190,089 689,599 – – 3,055,256 2.65 Financing, advances and others – non-impaired 52,476,405 4,998,646 1,223,793 1,455,143 4,659,256 293,383 – 65,106,626 4.65 – impaired net of allowances * – – – – – (204,632) – (204,632) – Other financial assets at amortised cost – – – – – 578,615 – 578,615 – Statutory deposits with Bank Negara Malaysia – – – – – 950,508 – 950,508 – Total assets 59,050,694 5,525,284 3,989,244 9,429,211 8,295,161 2,435,310 422,128 89,147,032 Liabilities Deposits from customers 13,315,612 13,738,264 10,503,444 2,571,806 91,608 20,486,770 – 60,707,504 1.72 Investment accounts of customers 2,459,970 1,429,276 3,256,789 1,746 – 7,313,658 – 14,461,439 1.40 Deposits from banks and other financial institutions – 70,068 – – – – – 70,068 – Derivative financial liabilities – – – – – – 137,324 137,324 1.85 Bills and acceptance payable – – – – – 22,441 – 22,441 – Recourse obligations on financing sold to Cagamas – – 1,500,000 1,500,000 – 5,343 – 3,005,343 4.28 Subordinated Sukuk Murabahah – – – – 2,200,000 22,092 – 2,222,092 4.14 Other liabilities – – – – – 2,070,964 – 2,070,964 – Lease liabilities 1,175 2,362 11,910 59,355 220,783 – – 295,585 – Total liabilities 15,776,757 15,239,970 15,272,143 4,132,907 2,512,391 29,921,268 137,324 82,992,760 On-balance sheet profit sensitivity gap 43,273,937 (9,714,686) (11,282,899) 5,296,304 5,782,770 (27,485,958) 284,804 6,154,272 Off-balance sheet profit sensitivity gap (profit rate swaps) – – – 42,286 – – – 42,286 Total profit sensitivity gap 43,273,937 (9,714,686) (11,282,899) 5,338,590 5,782,770 (27,485,958) 284,804 6,196,558 * This is arrived at after deducting impairment allowances from the outstanding gross impaired financing. Financial Statements 351 01 05 03 07 02 06 09 04 08 Bank Islam Malaysia Berhad
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