Page 317 - Full Book_24.4.2021

NOTES TO THE
FINANCIAL STATEMENTS in retrospect

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for the financial year ended 31 december 2020 (continUed)
the Will to Suceed

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49 FINANCIAL RISk MANAGEMENT POLICIES (CONTINUED)
49.5 Liquidity risk (continued)
(a) Banking (continued) achieving a leading repute
Maturity analysis (continued)
Contractual maturity of financial liabilities on an undiscounted basis |

the table below present the cash flows payable by the bank under financial liabilities by remaining contractual
maturities at the end of the reporting period. the amount disclosed in the table are the contractual undiscounted
cash flows: Paving the Way for a Sustainable future
Up to >1 to 3 >3 to 6 >6 to 12 Over
1 month months months months 1 year Total
As at 31 December 2020 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000
Financial liabilities
deposit from customers 30,022,422 8,429,037 5,879,065 5,061,386 1,919,877 51,311,787
investment accounts
of customers 7,610,826 2,240,679 1,930,504 630,355 7,427 12,419,791 311
derivatives financial liabilities 256 2,183 7,528 30,583 349,233 389,783
Forward contract 11 – – – – 11
Islamic Profit Rate Swap 245 2,183 7,528 30,583 349,233 389,772
bills and acceptances payable 29,621 – – – – 29,621
recourse obligations
on financing adhering to the best Governance Practices
sold to cagamas 5,913 11,826 17,739 35,478 1,600,520 1,671,476
Subordinated Sukuk
murabahah – 7,356 27,700 35,834 2,253,966 2,324,856
other liabilities 1,094,136 – – – 59,523 1,153,659
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lease liabilities 2,568 5,135 7,607 14,891 446,908 477,109
38,765,742 10,696,216 7,870,143 5,808,527 6,637,454 69,778,082

Commitments and Laying the Foundation for Financial Growth
Contingencies
direct credit substitutes 33,126 27,503 59,186 86,857 243,675 450,347
transaction related
contingent items 57,950 45,608 73,025 250,072 472,045 898,700
Short-term self liquidating |
trade related contingencies 44,964 81,656 22,385 2,500 441,239 592,744

136,040 154,767 154,596 339,429 1,156,959 1,941,791

* the detail maturity analysis are as below: additional information & disclosure Summary
>1 to 5 >5 to 10 >10 to 15
years years years Total
RM’000 RM’000 RM’000 RM’000 |
24 th aGm information
lease liabilities 108,870 151,299 186,739 446,908