42. FINANCIAL RISK MANAGEMENT (CONTINUED) Overview (continued) (c) Market risk (continued) Profit rate risk (continued) Group 2023 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 3,777,836 – – – – 936,629 – 4,714,465 2.41 Financial assets at FVTPL – – – – – – 1,215,769 1,215,769 3.55 Derivative financial assets – – – – – – 68,412 68,412 0.79 Financial assets at FVOCI 534,861 312,224 2,472,447 5,494,084 3,706,592 – – 12,520,208 3.73 Financial assets at amortised cost 499,307 – 252,905 1,921,795 446,223 – – 3,120,230 3.23 Financing, advances and others – non-impaired 53,737,608 4,870,253 969,948 1,751,816 5,176,220 482,978 – 66,988,823 5.31 – impaired net of allowances* – – – – – (171,708) – (171,708) Other financial assets at amortised cost – – – – – 826,056 – 826,056 Statutory deposits with Bank Negara Malaysia – – – – – 989,407 – 989,407 Total assets 58,549,612 5,182,477 3,695,300 9,167,695 9,329,035 3,063,362 1,284,181 90,271,662 * This is arrived at after deducting impairment allowances from the outstanding gross impaired financing. Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 396 Notes to the Financial Statements for the financial year ended 31 December 2024
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