BIMB Integrated Annual Report 2019

48 FINANCIAL RISK MANAGEMENT POLICIES (CONTINUED) 48.4 Market risk (continued) (a) Banking (continued) (i) Profit rate risk (continued) 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 2018 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 % Liabilities Deposits from customers 9,565,065 9,989,364 9,558,386 5,614,820 – 15,167,597 – 49,895,232 2.69 Investment a ccounts of customers 983,713 689,013 908,904 343 – 2,594,846 – 5,176,819 1.20 Derivative financial liabilities – – – – – – 19,520 19,520 0.57 Bills and acceptance payable – – – – – 41,114 – 41,114 Recourse obligations on financing sold to Cagamas – – – 1,500,000 – 1,187 – 1,501,187 4.75 Subordinated Sukuk Murabahah – – – 1,300,000 – 8,634 – 1,308,634 5.33 Other liabilities – – – – – 574,073 – 574,073 Total liabilities 10,548,778 10,678,377 10,467,290 8,415,163 – 18,387,451 19,520 58,516,579 Note 54 Banking book Up to 1 >1–3 >3–12 1–5 Over 5 Non-profit Trading Bank Islam month months months years years sensitive book Total As at 31 December 2018 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 On-balance sheet profit sensitivity gap 35,003,186 (9,875,178) (9,683,676) (1,333,135) 6,449,913 (15,772,109) 379,587 5,168,588 Off-balance sheet profit sensitivity gap (profit rate swaps) 100,000 300,000 (400,000) – – – – – Total profit sensitivity gap 35,103,186 (9,575,178) (10,083,676) (1,333,135) 6,449,913 (15,772,109) 379,587 5,168,588 NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 287 BIMB HOLDINGS BERHAD 199701008362 (423858-X) Shareholders’ Information Financial Statements Additional Information Disclosure Summary