BIMB Integrated Annual Report 2019

48 FINANCIAL RISK MANAGEMENT POLICIES (CONTINUED) 48.5 Liquidity risk (continued) (a) Banking (continued) Maturity analysis (continued) 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 2018 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 891,697 3,632,629 – 328 – – 4,524,654 Financial assets at FVTPL and FVOCI – 835,145 316,389 211,427 507,326 9,848,971 11,719,258 Derivative financial assets – 2,231 13,682 16,448 – 1,787 34,148 Financing, advances and others – 1,215,358 2,343,527 525,783 536,695 41,059,317 45,680,680 Other financial assets at amortised cost 124,143 – – – – – 124,143 Statutory deposits with Bank Negara Malaysia 1,602,284 – – – – – 1,602,284 Total assets 2,618,124 5,685,363 2,673,598 753,986 1,044,021 50,910,075 63,685,167 Note 54 Liabilities Deposits from customers 15,167,597 9,565,065 9,989,364 5,539,651 4,018,736 5,614,819 49,895,232 Investment accounts of customers 2,594,846 983,713 689,013 743,623 165,281 343 5,176,819 Derivative financial liabilities – 1,123 6,219 9,413 2,316 449 19,520 Bills and acceptance payable – – – – – 41,114 41,114 Recourse obligations on financing sold to Cagamas – – – – 1,187 1,500,000 1,501,187 Subordinated Sukuk Murabahah – – – – 8,634 1,300,000 1,308,634 Other liabilities 574,073 – – – – – 574,073 Total liabilities 18,336,516 10,549,901 10,684,596 6,292,687 4,196,154 8,456,725 58,516,579 Note 54 Net liquidity gap on statement of financial position (15,718,392) (4,864,538) (8,010,998) (5,538,701) (3,152,133) 42,453,350 5,168,588 Commitments and contingencies – 3,012,887 2,161,831 2,083,943 4,012,304 2,891,390 14,162,355 Net liquidity gap (15,718,392) (7,877,425) (10,172,829) (7,622,644) (7,164,437) 39,561,960 (8,993,767) NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 296 Integrated Annual Report 2019 Group Overview Sustaining The Group Management Discussion & Analysis Group Governance