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NOTES TO THE
FINANCIAL STATEMENTS

for the financial year ended 31 december 2020 (continUed)

Effective profit rate % 1.99% 1.91% 1.23% 4.74% 4.69% 5.70%

Total RM’000 51,077,262 12,368,528 105,872 29,621 1,501,187 1,713,164 1,038,079 312,429 68,146,142 5,927,085 114,056 6,041,141

inteGrated annUal rePort 2020 Banking book Trading Non-profit book sensitive RM’000 RM’000 – 17,914,224 – 5,113,275 105,872 – – 29,621 – 1,187 – 13,164 – 1,038,079 – – 105,872 24,109,550 1,136,993 (22,808,752) – – 1,136,993 (22,808,752)

Over 5 years RM’000 35,117 – – – – 1,700,000 - 265,307 2,000,424 4,129,024 – 4,129,024

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1-5 years RM’000 1,735,439 6,801 – – – – 1,500,000 – – – – – 33,686 3,275,926 4,480,488 114,056 – 4,594,544

bimb holdinGS berhad 199701008362 (423858-X) >3-12 >1-3 Up to 1 months months month RM’000 RM’000 RM’000 10,787,258 8,395,068 12,210,156 2,534,420 2,231,737 2,482,295 – – – – – – – – – – 9,760 2,267 1,409 13,331,438 10,629,072 14,693,860 (12,062,431) (9,508,577) 40,560,340 – – (12,062,431) (9,508,577) 40,560,340

FINANCIAL RISk MANAGEMENT POLICIES (CONTINUED)

Market risk (continued) Banking (continued) profit rate risk (continued) (i) Bank Islam As at 31 December 2020 Liabilities deposits from customers investment accounts of customers derivative financial liabilities bills and acceptance payable recourse obligations on financing sold to cagamas Subordinated Sukuk murabahah other liabilities lease liabilities Total liabilities on-balance sheet profit sensitivity gap off-balance sheet

49.4 (a)

49