41. FINANCIAL RISK MANAGEMENT (CONTINUED) (d) Liquidity risk (continued) Contractual maturity of financial liabilities on an undiscounted basis (continued) Bank 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 As at 31 December 2023 Financial Liabilities Deposits from customers 30,815,035 9,552,396 9,645,060 7,597,925 2,133,996 59,744,412 Investment accounts of customers 11,592,383 2,853,945 1,384,355 303,154 1,238,665 17,372,502 Deposits and placements of bank and other financial institutions – 353,323 – – – 353,323 Derivative financial liabilities 6,692 28,914 20,938 – – 56,544 Forward contract 6,686 28,914 20,938 – – 56,538 Islamic Profit Rate Swap 6 – – – – 6 Bills and acceptance payable 15,614 – – – – 15,614 Recourse obligations on financing sold to Cagamas 11,179 22,353 532,301 59,698 1,888,382 2,513,913 Subordinated sukuk and capital securities – 20,627 35,828 56,373 3,228,286 3,341,114 Other liabilities 1,907,439 – – – 368,570 2,276,009 Lease liabilities 2,627 5,254 7,881 14,582 365,631 395,975 44,350,969 12,836,812 11,626,363 8,031,732 9,223,530 86,069,406 Commitments and Contingencies Financial guarantee contracts 129,830 322,752 274,397 560,765 746,968 2,034,712 129,830 322,752 274,397 560,765 746,968 2,034,712 As at 31 December 2022 Financial Liabilities Deposits from customers 33,168,234 14,474,390 6,514,897 4,212,654 3,124,189 61,494,364 Investment accounts of customers 9,767,598 1,586,919 3,094,470 208,534 1,807 14,659,328 Deposits and placements of bank and other financial institutions – 70,690 – – – 70,690 Derivative financial liabilities 41,876 78,568 19,641 8,792 2,045 150,922 Forward contract 41,806 77,940 17,477 – – 137,223 Islamic Profit Rate Swap 70 628 2,164 8,792 2,045 13,699 Bills and acceptance payable 22,441 – – – – 22,441 Recourse obligations on financing sold to Cagamas 11,110 22,222 1,527,473 31,507 1,695,306 3,287,618 Subordinated sukuk and capital securities – 20,485 26,301 47,068 2,752,960 2,846,814 Other liabilities 1,535,462 – – – 375,000 1,910,462 Lease liabilities 2,495 4,989 7,653 15,980 395,745 426,862 44,549,216 16,258,263 11,190,435 4,524,535 8,347,052 84,869,501 Commitments and Contingencies Financial guarantee contracts 148,283 221,488 187,671 487,916 880,898 1,926,256 148,283 221,488 187,671 487,916 880,898 1,926,256 389 1 2 3 4 5 6 7 8 9 www.bankislam.com FINANCIAL STATEMENTS
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