BIMB Integrated Annual Report 2019

48 FINANCIAL RISK MANAGEMENT POLICIES (CONTINUED) 48.5 Liquidity risk (continued) (a) Banking (continued) 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: Up to >1 to 3 >3 to 6 >6 to 12 Over 1 month months months months 1 year Total As at 31 December 2019 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 Financial liabilities Deposit from customers 23,378,991 10,115,669 4,248,065 7,833,915 2,386,490 47,963,130 Investment accounts of customers 4,335,416 2,637,953 2,165,791 1,153,574 36,508 10,329,242 Derivatives financial liabilities 5,529 20,360 19,987 30,779 644,638 721,293 Forward contract 5,284 18,158 12,402 83 – 35,927 Islamic Profit Rate Swap (gross settled) 245 2,202 7,585 30,696 644,638 685,366 Bills and acceptances payable 49,084 – – – – 49,084 Recourse obligations on financing sold to Cagamas 5,929 11,856 17,784 35,569 1,671,916 1,743,054 Subordinated Sukuk Murabahah – – 34,921 35,235 1,717,989 1,788,145 Other liabilities 948,847 – – – – 948,847 Lease liabilities 2,394 4,790 7,343 15,335 478,728* 508,590 28,726,190 12,790,628 6,493,891 9,104,407 6,936,269 64,051,385 Commitments and Contingencies Direct credit substitutes 36,654 30,479 39,169 162,127 148,307 416,736 Transaction related contingent items 60,057 72,340 58,978 353,079 385,558 930,012 Short-term self liquidating trade related contingencies 40,750 50,118 1,998 2,500 508,372 603,738 137,461 152,937 100,145 517,706 1,042,237 1,950,486 * The detail maturity analysis are as below:- >1 to 5 >5 to 10 >10 to 15 years years years Total RM’000 RM’000 RM’000 RM’000 Lease liabilities 140,690 322,446 15,592 478,728 NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 297 BIMB HOLDINGS BERHAD 199701008362 (423858-X) Shareholders’ Information Financial Statements Additional Information Disclosure Summary