42. FINANCIAL RISK MANAGEMENT (CONTINUED) Overview (continued) (d) Liquidity risk (continued) Maturity analysis The table below analyses assets and liabilities of the Group and the Bank based on the remaining period at the end of the reporting period to the contractual maturity date in accordance with the requirement of Bank Negara Malaysia Guidelines: Group As at 31 December 2024 On demand/ no specific maturity date RM’000 Up to 1 month RM’000 >1 to 3 months RM’000 >3 to 6 months RM’000 >6 to 12 months RM’000 Over 1 year RM’000 Total RM’000 Assets Cash and short-term funds and deposits and placements with financial institutions 1,008,573 3,316,600 – – – – 4,325,173 Financial assets at FVTPL – 226,718 341,692 10,019 61,748 1,219,157 1,859,334 Derivative financial assets – 31,980 13,461 44,237 2,793 – 92,471 Financial assets at FVOCI – 344,091 298,624 670,547 961,767 11,729,918 14,004,947 Financial assets at amortised cost – 91,352 – 136,257 814,559 3,565,779 4,607,947 Financing, advances and others – 3,816,130 1,528,831 563,062 488,289 63,084,941 69,481,253 Other financial assets at amortised cost 660,483 – – – – – 660,483 Statutory deposits with Bank Negara Malaysia 1,012,014 – – – – – 1,012,014 Total assets 2,681,070 7,826,871 2,182,608 1,424,122 2,329,156 79,599,795 96,043,622 Liabilities Deposits from customers 22,008,210 10,771,147 7,564,747 8,147,564 12,046,956 1,790,252 62,328,876 Investment accounts of customers 10,243,945 1,537,796 989,630 3,008,013 2,165,111 673,745 18,618,240 Deposits from banks and other financial institutions – – 321,095 – – – 321,095 Obligations on financial assets sold under repurchase agreement – 388,218 – – – – 388,218 Derivative financial liabilities – 36,225 45,694 26,731 674 – 109,324 Bills and acceptance payable 28,123 – – – – – 28,123 Recourse obligations on financing sold to Cagamas – – – – – 1,503,796 1,503,796 Subordinated sukuk and capital securities – 19,012 413,034 13,425 700,000 2,450,000 3,595,471 Other liabilities 1,949,689 – – – – – 1,949,689 Lease liabilities – 1,468 2,967 4,388 7,623 256,092 272,538 Total liabilities 34,229,967 12,753,866 9,337,167 11,200,121 14,920,364 6,673,885 89,115,370 Net liquidity gap on statement of financial position (31,548,897) (4,926,995) (7,154,559) (9,775,999) (12,591,208) 72,925,910 6,928,252 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 406 Notes to the Financial Statements for the financial year ended 31 December 2024
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