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                 Our Performance   Sustainability Statement  Governance        Our Numbers         Other Information














            15.  LEASES
                 15.1  Group and the Bank as a lessee

                     The Group and the Bank have leases for leasehold land, building and office equipment. Lease contracts are typically made
                     for fixed periods of one (1) to three (3) years, but may have extension options.

                     With the exception of short-term leases and leases of low-value underlying assets, each lease is reflected on the statements
                     of financial position as a right-of-use asset and a lease liability.

                     Leases are either non-cancellable or may only be cancelled by incurring a substantive termination fee. Some leases contain
                     an option to extend the lease for a further term.

                     (a)   Leases liabilities
                                                                   Profit rate    Maturity            Group
                                                                      (%)                   31 December    31 December
                                                                                                   2020          2019
                                                                                                rM’000         rM’000


                          Non-current                                 5.5      2021 - 2025        28,652       41,211
                          Current                                     5.5           2020         12,989        10,448

                                                                                                 41,641        51,659

                                                                   Profit rate    Maturity            Group
                                                                      (%)                   31 December    31 December
                                                                                                   2020          2019
                                                                                                rM’000         rM’000


                          Non-current                                 5.5      2021 - 2025       20,667        32,877
                          Current                                     5.5           2020         13,351        10,946

                                                                                                 34,018          43,823
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