Page 324 - Bank-Muamalat-AR2020

322 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)

46. FINANCIAL rISk MANAGEMENT OBJECTIvES AND POLICIES (CONT’D.)
(c) Liquidity and funding risk (cont’d.)

(i) Maturity analysis of assets, liabilities, commitments and contingencies based on remaining contractual maturity:
(cont’d.)
Bank up to >7 Days - >1-3 >3-6 >6-12 >1 year
31 December 2020 7 Days 1 Month Months Months Months Months Total
rM’000 rM’000 rM’000 rM’000 rM’000 rM’000 rM’000

Liabilities
Deposits from customers 9,514,409 4,670,742 3,232,737 2,894,773 725,772 475,725 21,514,158
Deposits and placements
of banks and other
financial institutions - 25 28 283 485 97,525 98,346
Bills and acceptances
payable - - 6,310 - - - 6,310
Islamic derivative
financial liabilities 3,772 24,734 19,277 11,827 208 107,516 167,334
Other liabilities - 23,865 5,367 1,305 76,167 32,494 139,198
Recourse obligation
on financing sold to
Cagamas Berhad - - - - - 444,141 444,141
Subordinated sukuk - - - 250,642 - - 250,642
Senior sukuk - - - 2,811 499,881 - 502,692

Total liabilities 9,518,181 4,719,366 3,263,719 3,161,641 1,302,513 1,157,401 23,122,821

Net maturity
mismatch (7,082,472) (3,320,045) (1,303,838) (1,883,171) 831,970 15,400,094 2,642,538

Commitments and
contingencies
Contingent liabilities 7,439 4,187 31,617 46,925 76,100 565,112 731,380
Commitments 65,182 93,499 199,988 74,779 433,772 785,259 1,652,479
Other Miscellaneous
Commitment and
Contingent Liabilities 6,455 88 - 161 2 396 7,102
Islamic derivative
financial instruments 483,039 820,123 864,001 917,416 241,944 1,200,000 4,526,523
Total commitments
and contingencies 562,115 917,897 1,095,606 1,039,281 751,818 2,550,767 6,917,484