BIMB Integrated Annual Report 2019

48 FINANCIAL RISK MANAGEMENT POLICIES (CONTINUED) 48.4 Market risk (continued) (a) Banking (i) Profit rate risk The table below summarises the Bank’s exposure to profit rate risk. The table indicates average profit rates at the reporting date and the period in which the financial instruments reprice or mature, whichever is earlier. Banking book Bank Islam Up to 1 >1–3 >3–12 1-5 Over 5 Non-profit Trading Effective As at month months months years years sensitive book Total rate 31 December 2019 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 % Assets Cash and short-term funds and deposits and placements with financial institutions 2,650,438 – 348 – – 821,600 – 3,472,386 2.51 Financial assets at FVTPL – – – – – – 663,068 663,068 3.97 Derivative financial assets – – – – – – 33,326 33,326 0.52 Financial assets at FVOCI 46,960 306,846 1,816,596 6,072,029 3,904,209 – – 12,146,640 4.83 Financing, advances and others – non-impaired 45,100,289 507,292 71,763 1,088,826 2,628,405 394,393 – 49,790,968 5.70 – impaired net of allowances* – – – – – (318,446) – (318,446) Other financial assets at amortised cost – – – – – 140,119 – 140,119 Statutory deposits with Bank Negara Malaysia – – – – – 1,170,136 – 1,170,136 Total assets 47,797,687 814,138 1,888,707 7,160,855 6,532,614 2,207,802 696,394 67,098,197 Note 54 * This is arrived at after deducting impairment allowances from the outstanding gross impaired financing. NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 284 Integrated Annual Report 2019 Group Overview Sustaining The Group Management Discussion & Analysis Group Governance