42. FINANCIAL RISK MANAGEMENT (CONTINUED) Overview (continued) (c) Market risk (continued) Profit rate risk (continued) 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 Liabilities Deposits from customers 10,771,147 7,564,747 20,194,520 1,647,431 142,821 22,008,210 – 62,328,876 2.71 Investment accounts of customers 1,537,796 989,630 5,173,124 673,745 – 10,243,945 – 18,618,240 2.35 Deposits from banks and other financial institutions – 321,095 – – – – – 321,095 4.01 Obligations on financial assets sold under repurchase agreement 388,218 – – – – – – 388,218 1.69 Derivative financial liabilities – – – – – – 109,324 109,324 1.17 Bills and acceptance payable – – – – – 28,123 – 28,123 Recourse obligations on financing sold to Cagamas – – – 1,500,000 – 3,796 – 1,503,796 4.46 Subordinated sukuk and capital securities – 400,000 700,000 1,850,000 600,000 45,471 – 3,595,471 4.12 Other liabilities – – – – – 1,949,689 – 1,949,689 Lease liabilities 1,469 2,967 12,010 72,789 183,303 – – 272,538 5.63 Total liabilities 12,698,630 9,278,439 26,079,654 5,743,965 926,124 34,279,234 109,324 89,115,370 On-balance sheet profit sensitivity gap 45,692,148 (4,266,741) (22,383,171) 4,119,221 13,032,039 (31,107,725) 1,842,481 6,928,252 Total profit sensitivity gap 45,692,148 (4,266,741) (22,383,171) 4,119,221 13,032,039 (31,107,725) 1,842,481 6,928,252 395 w w w . b a n k i s l a m. c o m 01 02 03 04 05 06 07 08 FINANCIAL STATEMENTS 09
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