41. FINANCIAL RISK MANAGEMENT (CONTINUED) (c) Market risk (continued) Profit rate risk (continued) Bank 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 10,477,031 9,053,395 16,855,665 1,659,296 117,712 20,879,482 – 59,042,581 2.70 Investment accounts of customers 1,930,298 2,726,428 1,657,511 1,137,959 – 9,640,398 – 17,092,594 2.23 Deposits from banks and financial institutions – 351,787 – – – – – 351,787 3.02 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 – – – – – 2,276,009 – 2,276,009 Lease liabilities 1,322 2,668 10,970 82,515 182,884 – – 280,359 5.70 Total liabilities 12,408,651 12,134,278 19,024,146 6,679,770 300,596 32,839,372 56,548 83,443,361 On-balance sheet profit sensitivity gap 46,109,300 (6,951,801) (15,328,846) 2,487,925 9,028,439 (29,878,376) 926,110 6,392,751 Off-balance sheet profit sensitivity gap (profit rate swaps) 3,343 – – – – – – 3,343 Total profit sensitivity gap 46,112,643 (6,951,801) (15,328,846) 2,487,925 9,028,439 (29,878,376) 926,110 6,396,094 376 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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