41. FINANCIAL RISK MANAGEMENT (CONTINUED) (c) Market risk (continued) (i) Profit rate risk (continued) Bank 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 6,311,925 – – – – 816,234 – 7,128,159 2.04 Financial assets at FVTPL – – – – – – 272,735 272,735 –0.12 Derivative financial assets – – – – – – 123,000 123,000 1.66 Financial assets at FVOCI 247,498 317,855 1,798,666 6,783,979 2,946,306 – – 12,094,304 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 – – – – – 480,595 – 480,595 – Statutory deposits with Bank Negara Malaysia – – – – – 950,508 – 950,508 – Total assets 59,035,828 5,525,284 3,989,244 9,429,211 8,295,161 2,336,088 395,735 89,006,551 Liabilities Deposits from customers 13,316,727 13,739,569 10,509,901 2,571,806 91,608 20,592,104 – 60,821,715 1.72 Investment accounts of customers 2,483,432 1,508,975 3,257,151 1,746 – 7,313,658 – 14,564,962 1.40 Deposits from banks and 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 – – – – – 1,910,462 – 1,910,462 – Lease liabilities 1,129 2,270 11,630 59,355 220,783 – – 295,167 5.70 Total liabilities 15,801,288 15,320,882 15,278,682 4,132,907 2,512,391 29,866,100 137,324 83,049,574 On-balance sheet profit sensitivity gap 43,234,540 (9,795,598) (11,289,438) 5,296,304 5,782,770 (27,530,012) 258,411 5,956,977 Off-balance sheet profit sensitivity gap (profit rate swaps) – – – 42,286 – – – 42,286 Total profit sensitivity gap 43,234,540 (9,795,598) (11,289,438) 5,338,590 5,782,770 (27,530,012) 258,411 5,999,263 * This is arrived at after impairment allowances from the outstanding gross impaired financing. Financial Statements 353 01 05 03 07 02 06 09 04 08 Bank Islam Malaysia Berhad
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