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 Liabilities Deposits from customers 10,475,967 9,051,319 16,849,829 1,659,296 117,712 20,862,008 – 59,016,131 2.70 Investment accounts of customers 1,913,504 2,726,428 1,655,138 1,137,688 – 9,640,398 – 17,073,156 2.23 Deposits from banks and other financial institutions – 351,787 – – – – – 351,787 – Derivative financial liabilities – – – – – – 56,548 56,548 0.65 Bills and acceptance payable – – – – – 15,614 – 15,614 – Recourse obligations on financing sold to Cagamas – – 500,000 1,500,000 – 4,329 – 2,004,329 4.43 Subordinated Sukuk and Capital Securities – – – 2,300,000 – 23,540 – 2,323,540 4.19 Other liabilities – – – – – 2,399,093 – 2,399,093 – Lease liabilities 1,354 2,733 11,270 82,933 182,884 – – 281,174 5.70 Total liabilities 12,390,825 12,132,267 19,016,237 6,679,917 300,596 32,944,982 56,548 83,521,372 On-balance sheet profit sensitivity gap 46,158,787 (6,949,790) (15,320,937) 2,487,778 9,028,439 (29,881,620) 1,227,633 6,750,290 Off-balance sheet profit sensitivity gap (profit rate swaps) 3,343 – – – – – – 3,343 Total profit sensitivity gap 46,162,130 (6,949,790) (15,320,937) 2,487,778 9,028,439 (29,881,620) 1,227,633 6,753,633 397 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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