42. FINANCIAL RISK MANAGEMENT (CONTINUED) Overview (continued) (c) Market risk (continued) Profit rate risk (continued) Bank 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 10,477,031 9,053,395 16,855,665 1,659,296 117,712 20,879,482 – 59,042,581 2.70 Investment accounts of customers 1,930,298 2,726,428 1,657,511 1,137,959 – 9,640,398 – 17,092,594 2.23 Deposits from banks and other financial institutions – 351,787 – – – – – 351,787 3.02 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 – – – – – 2,276,009 – 2,276,009 – Lease liabilities 1,322 2,668 10,970 82,515 182,884 – – 280,359 5.70 Total liabilities 12,408,651 12,134,278 19,024,146 6,679,770 300,596 32,839,372 56,548 83,443,361 On-balance sheet profit sensitivity gap 46,109,300 (6,951,801) (15,328,846) 2,487,925 9,028,439 (29,878,376) 926,110 6,392,751 Off-balance sheet profit sensitivity gap (profit rate swaps) 3,343 – – – – – – 3,343 Total profit sensitivity gap 46,112,643 (6,951,801) (15,328,846) 2,487,925 9,028,439 (29,878,376) 926,110 6,396,094 401 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
RkJQdWJsaXNoZXIy NDgzMzc=