42. FINANCIAL RISK MANAGEMENT (CONTINUED) Overview (continued) (c) Market risk (continued) Profit rate risk The table below summarises the Group’s and the Bank’s exposure to profit rate risk. The table indicates average profit rates at the reporting date and the periods in which the financial instruments are repriced or mature, whichever is earlier. Group 2024 Banking book Trading book RM’000 Total RM’000 Effective profit rate % Up to 1 month RM’000 >1-3 months RM’000 >3-12 months RM’000 1-5 years RM’000 Over 5 years RM’000 Non-profit sensitive RM’000 Assets Cash and short-term funds and deposits and placements with financial institutions 3,316,600 – – – – 1,008,573 – 4,325,173 1.86 Financial assets at FVTPL – – – – – – 1,859,334 1,859,334 3.63 Derivative financial assets – – – – – – 92,471 92,471 0.99 Financial assets at FVOCI 344,091 298,624 1,632,314 6,323,797 5,406,121 – – 14,004,947 3.77 Financial assets at amortised cost 91,352 – 950,816 1,745,084 1,820,695 – – 4,607,947 3.60 Financing, advances and others – non-impaired 54,638,735 4,713,074 1,113,353 1,794,305 6,731,347 485,340 – 69,476,154 5.33 – impaired net of allowances* – – – – – 5,099 – 5,099 Other financial assets at amortised cost – – – – – 660,483 – 660,483 Statutory deposits with Bank Negara Malaysia – – – – – 1,012,014 – 1,012,014 Total assets 58,390,778 5,011,698 3,696,483 9,863,186 13,958,163 3,171,509 1,951,805 96,043,622 * This is arrived at after deducting impairment allowances from the outstanding gross impaired financing. Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 394 Notes to the Financial Statements for the financial year ended 31 December 2024
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