42. FINANCIAL RISK MANAGEMENT (CONTINUED) Overview (continued) (d) Liquidity risk (continued) Contractual maturity of financial liabilities on an undiscounted basis The table below present the cash flows payable by the Group and Bank under financial liabilities by remaining contractual maturities at the end of the reporting period. The amounts disclosed in the table are the contractual undiscounted cash flows: Group As at 31 December 2024 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 Financial Liabilities Deposits from customers 31,681,700 8,608,693 7,684,100 13,012,284 2,093,189 63,079,966 Investment accounts of customers 11,904,203 1,023,195 2,529,165 2,776,345 726,150 18,959,058 Deposits and placements of bank and other financial institutions – 322,994 – – – 322,994 Obligations on financial assets sold under repurchase agreement 388,445 – – – – 388,445 Derivative financial liabilities 36,225 45,694 26,731 674 – 109,324 Forward contract 36,225 45,694 26,731 674 – 109,324 Islamic Profit Rate Swap – – – – – – Bills and acceptance payable 28,123 – – – – 28,123 Recourse obligations on financing sold to Cagamas 5,735 11,462 17,193 34,385 1,643,912 1,712,687 Subordinated sukuk and capital securities – 20,303 55,943 77,053 4,308,093 4,461,392 Other liabilities 1,567,933 – – – 381,756 1,949,689 Lease liabilities 3,213 5,394 7,981 14,693 342,034 373,315 45,615,577 10,037,735 10,321,113 15,915,434 9,495,134 91,384,993 Commitments and Contingencies Financial guarantee contracts 381,704 266,548 179,205 408,768 848,210 2,084,435 Financing commitment 9,598,483 584,431 161,411 501,979 2,321,719 13,168,023 9,980,187 850,979 340,616 910,747 3,169,929 15,252,458 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 410 Notes to the Financial Statements for the financial year ended 31 December 2024
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