42. FINANCIAL RISK MANAGEMENT (CONTINUED) Overview (continued) (c) Market risk (continued) Profit rate risk (continued) Bank 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 10,772,288 7,575,069 20,195,321 1,647,431 142,821 22,036,381 – 62,369,311 2.71 Investment accounts of customers 1,539,638 990,027 5,173,657 673,876 – 10,243,945 – 18,621,143 2.35 Deposits from banks and 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 – – – – – 1,890,762 – 1,890,762 Lease liabilities 1,442 2,914 11,766 70,944 182,884 – – 269,950 5.64 Total liabilities 12,701,586 9,289,105 26,080,744 5,742,251 925,705 34,248,478 109,324 89,097,193 On-balance sheet profit sensitivity gap 45,693,880 (4,277,407) (22,384,261) 4,120,935 13,032,458 (31,188,273) 1,678,899 6,676,231 Total profit sensitivity gap 45,693,880 (4,277,407) (22,384,261) 4,120,935 13,032,458 (31,188,273) 1,678,899 6,676,231 399 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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