41. FINANCIAL RISK MANAGEMENT (CONTINUED) (c) Market risk (continued) Profit rate risk (continued) 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 Liabilities Deposits from customers 10,475,967 9,051,319 16,849,829 1,659,296 117,712 20,862,008 – 59,016,131 2.70 Investment accounts of customers 1,913,504 2,726,428 1,655,138 1,137,688 – 9,640,398 – 17,073,156 2.23 Deposits from banks and other financial institutions – 351,787 – – – – – 351,787 Derivative financial liabilities – – – – – – 56,548 56,548 0.65 Bills and acceptance payable – – – – – 15,614 – 15,614 Recourse obligations on financing sold to Cagamas – – 500,000 1,500,000 – 4,329 – 2,004,329 4.43 Subordinated Sukuk Murabahah – – – 2,300,000 – 23,540 – 2,323,540 4.19 Other liabilities – – – – – 2,399,093 – 2,399,093 Lease liabilities 1,354 2,733 11,270 82,933 182,884 – – 281,174 5.70 Total liabilities 12,390,825 12,132,267 19,016,237 6,679,917 300,596 32,944,982 56,548 83,521,372 On-balance sheet profit sensitivity gap 46,158,787 (6,949,790) (15,320,937) 2,487,778 9,028,439 (29,881,620) 1,227,633 6,750,290 Off-balance sheet profit sensitivity gap (profit rate swaps) 3,343 – – – – – – 3,343 Total profit sensitivity gap 46,162,130 (6,949,790) (15,320,937) 2,487,778 9,028,439 (29,881,620) 1,227,633 6,753,633 372 Notes to the Financial Statements for the financial year ended 31 December 2023 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2023
RkJQdWJsaXNoZXIy NDgzMzc=