Page 327 - Bank-Muamalat-Annual-Report-2021

ANNUAL REPORT 2021 325
SUSTAINABILITY STATEMENT OUR GOVERNANCE OUR NUMBERS OTHER INFORMATION

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.)
up to >7 Days - >1-3 >3-6 >6-12 >1 year
Bank 7 Days 1 Month Months Months Months Months Total
2021 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000

Liabilities
Deposits from customers 10,355,435 3,693,089 3,241,297 3,741,324 875,129 1,222,443 23,128,717
Investment accounts of
customers 216,978 - - - - - 216,978
Deposits and placements
of banks and other
financial institutions - 46 54 84 113 291,569 291,866
Bills and acceptances
payable - - 7,755 - - - 7,755
Islamic derivative
financial liabilities 426 451 2,399 891 - 57,376 61,543
Other liabilities - 75,581 876 1,844 91,182 24,436 193,919
Recourse obligation
on financing sold to
Cagamas Berhad - - - 427,466 - - 427,466
Subordinated sukuk - - - 1,051 - 498,825 499,876
Senior sukuk - - - - - - -
Total liabilities 10,572,839 3,769,167 3,252,381 4,172,660 966,424 2,094,649 24,828,120

Net maturity
mismatch (9,374,015) (2,971,582) (1,627,286) (2,577,390) 1,909,760 17,378,800 2,738,287

commitments and
contingencies
Contingent liabilities - - 2,404 6,492 25,406 787,968 822,270
Commitments 156,323 916 143,837 121,514 11,459 1,179,093 1,613,142
Other Miscellaneous
Commitment and
Contingent Liabilities 72 - - - - 25,701 25,773
Islamic derivative
financial instruments 52,567 13,233 198,705 381,249 984,843 1,200,000 2,830,597
Total commitments
and contingencies 208,962 14,149 344,946 509,255 1,021,708 3,192,762 5,291,782