41. FINANCIAL RISK MANAGEMENT (CONTINUED) (c) Market risk (continued) 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 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 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 – – – – – 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 5,999,263 378 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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