Page 304 - Bank-Muamalat-AR2020

302 BANK MUAMALAT MALAYSIA BERHAD About Us Our Leadership Our Strategy
ANNUAL REPORT FY2020

Notes to the fiNaNcial statemeNts
31 December 2020 (16 JamaDil awal 1442h)

Effective profit rate % 2.8% 1.5% - - 4.6% 5.8% 5.5% - - - -

Total rM’000 18,940,553 6,303 8,444 36,221 459,633 250,532 502,517 114,471 20,318,674 2,468,814 22,787,488 1,275,000 1,275,000
-

Trading books rM’000 - - - -77,546 - - - - 77,546 - 77,546 83,998 1,275,000 1,358,998

Over Non-profit sensitive 5 years rM’000 rM’000 152,765 - - - 8,444 - - - 230 - 532 - 2,517 - 114,471 - 278,959 - 2,468,814 - 2,747,773 - (1,199,341) 2,628,641 - - (1,199,341) 2,628,641

months >1-2 years >2-3 years >3-4 years >4-5 years rM’000 459,403 461,052 461,052 292,421 292,421
rM’000 50 250 - - - - - - 300 - 300 1,048,922 - 1,048,922

rM’000 165 2,200 - - - - - - 2,365 - 2,365 1,575,566 - 1,575,566

FINANCIAL rISk MANAGEMENT OBJECTIvES AND POLICIES (CONT’D.)
660 989 - - - - - - -

rM’000 50,508 1,401 - - - 250,000 500,000 - 801,909 - 801,909 (85,662) - (85,662)

>3-12 rM’000 2,868,096 1,270 - - - - - - 2,869,366 - 2,869,366 (899,278) - (899,278) This is arrived at after deducting individual assessment allowance from the gross impaired financing.

>1-3 up to months 1 month rM’000 rM’000 3,488,681 12,379,628 142 51 - - - - - - - - - - - - 3,488,823 12,379,679 - - 3,488,823 12,379,679 (2,369,879) (1,075,388) - - (2,369,879) (1,075,388)

Types of market risk (cont’d.) Non-traded market risk (cont’d.) rate of return risk (cont’d.) 31 December 2019 LIABILITIES AND EquITy Deposits from customers Deposits and placements of banks and other financial institutions Bills and acceptances payable Islamic derivative financial liabilities Recourse obligation on financing sold to Cagamas Berhad Subordinated sukuk Other non-profit sensitive balances Total Liabilities Equity attributable to sharehold

Market risk (ii) Group Senior Sukuk *

(b)

46.