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 (continued) 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: (continued) Up to >1 to 3 >3 to 6 >6 to 12 Over 1 month months months months 1 year Total As at 31 December 2018 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 Financial liabilities Deposit from customers 24,658,959 10,055,235 5,620,072 4,144,531 6,120,762 50,599,559 Investment accounts of customers 3,558,107 699,197 770,056 171,526 369 5,199,255 Derivatives financial liabilities 2,817 11,555 23,305 40,713 1,283,082 1,361,472 Forward contract 1,112 6,230 8,094 2,316 – 17,752 Islamic Profit Rate Swap 1,705 5,325 15,211 38,397 1,283,082 1,343,720 Bills and acceptances payable 41,114 – – – – 41,114 Recourse obligations on financing sold to Cagamas 8,814 17,627 26,441 35,625 1,743,437 1,831,944 Subordinated Sukuk Murabahah – – 27,233 27,407 1,366,183 1,420,823 Other liabilities 709,253 – – – – 709,253 28,979,064 10,783,614 6,467,107 4,419,802 10,513,833 61,163,420 Commitments and Contingencies Direct credit substitutes 26,173 166,731 50,317 93,158 151,141 487,520 Transaction related contingent items 97,100 40,620 57,367 347,303 472,809 1,015,199 Short term self liquidating trade related contingencies 88,331 106,716 32,448 2,568 17,645 247,708 211,604 314,067 140,132 443,029 641,595 1,750,427 NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 298 Integrated Annual Report 2019 Group Overview Sustaining The Group Management Discussion & Analysis Group Governance