Page 330 - Bank-Muamalat-Annual-Report-2021

328 bank MuaMalat Malaysia berhaD
ABOUT US OUR LEADERSHIP OUR STRATEGY OUR PERFORMANCE

NOTES TO THE FINANCIAL STATEMENTS
31 DECEMbEr 2021 (26 JAMADIL AwAL 1443H)

46. fINANcIAL RIsk MANAGeMeNT OBJecTIves AND POLIcIes (cONT’D.)

(c) Liquidity and funding risk (cont’d.)
(ii) Behavioural maturity of deposits from customers (cont’d.)
Deposits from customers
up to >7 Days - >1-3 >3-6 >6-12
7 Days 1 Month Months Months Months >1 year Total
Bank RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000

2021
By contractual maturity 10,355,435 3,693,089 3,241,297 3,741,324 875,129 1,222,443 23,128,717
By behavioural maturity 1,752,328 1,670,182 901,855 695,884 973,449 17,135,019 23,128,717
Difference 8,603,107 2,022,907 2,339,442 3,045,440 (98,320) (15,912,576) -

2020
By contractual maturity 9,514,409 4,670,742 3,232,737 2,894,773 725,772 475,725 21,514,158
By behavioural maturity 4,051,381 2,972,609 2,455,238 942,447 1,056,891 10,035,592 21,514,158
Difference 5,463,028 1,698,133 777,499 1,952,326 (331,119) (9,559,867) -

(iii) Maturity analysis of financial liabilities on an undiscounted basis
The following tables show the contractual undiscounted cash flows payable for financial liabilities by remaining
contractual maturities. The financial liabilities in the tables depicted in the following pages will not agree to the
balances reported in the statement of financial position as the Tables incorporate all contractual cash flows, on
an undiscounted basis, relating to both principal and profit payments. The contractual maturity profile does not
necessarily reflect the behavioural cash flows.
The cash flows of commitments and contingent liabilities are not presented on an undiscounted basis as the total
outstanding contractual amounts do not represent future cash requirements since the Group and the Bank expect
many of these contingencies to expire or be unconditionally cancelled without being called or drawn upon and
many of the contingent liabilities are reimbursable by customers.