41. FINANCIAL RISK MANAGEMENT (CONTINUED) (d) Liquidity risk (continued) Maturity analysis The table below analyses assets and liabilities of the Group and the Bank based on the remaining period at the end of the reporting period to the contractual maturity date in accordance with the requirement of Bank Negara Malaysia Guidelines: Group As at 31 December 2023 On demand/ no specific maturity date RM’000 Up to 1 month RM’000 >1 to 3 months RM’000 >3 to 6 months RM’000 >6 to 12 months RM’000 Over 1 year RM’000 Total RM’000 Assets Cash and short-term funds and deposits and placements with financial institutions 936,629 3,777,836 – – – – 4,714,465 Financial assets at FVTPL – 797,766 – – – 418,003 1,215,769 Derivative financial assets – 40,263 77,540 4,949 75 173 123,000 Financial assets at FVOCI – 534,861 312,224 307,832 2,164,615 9,200,676 12,520,208 Financial assets at amortised cost – 499,307 – 40,256 212,649 2,368,018 3,120,230 Financing, advances and others – 4,255,592 1,837,992 725,258 598,198 59,400,075 66,817,115 Other financial assets at amortised cost 826,056 – – – – – 826,056 Statutory deposits with Bank Negara Malaysia 989,407 – – – – – 989,407 Total assets 2,752,092 9,875,005 2,195,398 1,086,933 2,975,462 71,386,772 90,271,662 Liabilities Deposits from customers 20,862,008 10,475,967 9,051,319 9,487,835 7,361,994 1,777,008 59,016,131 Investment accounts of customers 9,640,398 1,913,504 2,726,428 1,364,439 290,699 1,137,688 17,073,156 Deposits from banks and other financial institutions – – 351,787 – – – 351,787 Derivative financial liabilities – 7,130 28,480 20,938 – – 56,548 Bills and acceptance payable 15,614 – – – – – 15,614 Recourse obligations on financing sold to Cagamas – – – 500,000 – 1,504,329 2,004,329 Subordinated sukuk and capital securities – – 13,175 10,365 – 2,300,000 2,323,540 Other liabilities 2,399,093 – – – – – 2,399,093 Lease liabilities – 1,354 2,733 4,145 7,125 265,817 281,174 Total liabilities 32,917,113 12,397,955 12,173,922 11,387,722 7,659,818 6,984,842 83,521,372 Net liquidity gap on statement of financial position (30,165,021) (2,522,950) (9,978,524) (10,300,789) (4,684,356) 64,401,930 6,750,290 383 1 2 3 4 5 6 7 8 9 www.bankislam.com FINANCIAL STATEMENTS
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