BIMB Integrated Annual Report 2019

48 FINANCIAL RISK MANAGEMENT POLICIES (CONTINUED) 48.5 Liquidity risk (continued) (a) Banking (continued) Maturity analysis The table below summarises the Bank’s assets and liabilities based on remaining contractual maturities. On Up to >1 to 3 >3 to 6 >6 to 12 Over As at demand 1 month months months months 1 year Total 31 December 2019 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 821,600 2,650,438 – 348 – – 3,472,386 Financial assets at FVTPL – 239,130 149,760 30,227 – 243,951 663,068 Derivative financial assets – 21,131 9,648 847 – 1,700 33,326 Financial assets at FVOCI – 46,960 306,846 637,331 1,179,265 9,976,238 12,146,640 Financing, advances and others – 1,656,360 2,048,159 625,811 285,044 44,857,148 49,472,522 Other financial assets at amortised cost 140,119 – – – – – 140,119 Statutory deposits with Bank Negara Malaysia 1,170,136 – – – – – 1,170,136 Total assets 2,131,855 4,614,019 2,514,413 1,294,564 1,464,309 55,079,037 67,098,197 Note 54 Liabilities Deposits from customers 15,754,886 7,664,642 10,048,295 4,185,962 7,595,820 2,159,133 47,408,738 Investment accounts of customers 3,211,343 1,120,694 2,655,565 2,358,169 880,619 13,983 10,240,373 Derivative financial liabilities – 6,802 16,640 12,402 83 819 36,746 Bills and acceptance payable – – – – – 49,084 49,084 Recourse obligations onfinancing sold to Cagamas – – – – – 1,501,187 1,501,187 Subordinated Sukuk Murabahah – – – 8,694 – 1,300,000 1,308,694 Other liabilities 826,823 – – – – – 826,823 Total liabilities 19,793,052 8,792,138 12,720,500 6,565,227 8,476,522 5,024,206 61,371,645 Note 54 Net liquidity gap on statement of financial position (17,661,197) (4,178,119) (10,206,087) (5,270,663) (7,012,213) 50,054,831 5,726,552 Commitments and contingencies – 5,599,469 3,048,462 1,775,866 2,884,732 4,105,652 17,414,181 Net liquidity gap (17,661,197) (9,777,588) (13,254,549) (7,046,529) (9,896,945) 45,949,179 (11,687,629) NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 295 BIMB HOLDINGS BERHAD 199701008362 (423858-X) Shareholders’ Information Financial Statements Additional Information Disclosure Summary