41. FINANCIAL RISK MANAGEMENT (CONTINUED) (c) Market risk (continued) 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 2023 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 3,777,836 – – – – 936,629 – 4,714,465 2.41 Financial assets at FVTPL – – – – – – 1,215,769 1,215,769 3.55 Derivative financial assets – – – – – – 68,412 68,412 0.79 Financial assets at FVOCI 534,861 312,224 2,472,447 5,494,084 3,706,592 – – 12,520,208 3.73 Financial assets at amortised cost 499,307 – 252,905 1,921,795 446,223 – – 3,120,230 3.23 Financing, advances and others – non-impaired 53,737,608 4,870,253 969,948 1,751,816 5,176,220 482,978 – 66,988,823 5.31 – impaired net of allowances* – – – – – (171,708) – (171,708) Other financial assets at amortised cost – – – – – 826,056 – 826,056 Statutory deposits with Bank Negara Malaysia – – – – – 989,407 – 989,407 Total assets 58,549,612 5,182,477 3,695,300 9,167,695 9,329,035 3,063,362 1,284,181 90,271,662 * This is arrived at after deducting impairment allowances from the outstanding gross impaired financing. 371 1 2 3 4 5 6 7 8 9 www.bankislam.com FINANCIAL STATEMENTS
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