41. FINANCIAL RISK MANAGEMENT (CONTINUED) (c) Market risk (continued) Profit rate risk (continued) 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 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 6,196,558 374 Notes to the Financial Statements for the financial year ended 31 December 2023 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2023
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