Page 343 - Bank-Muamalat_Annual-Report-2023

ANNUAL REPORT 2023
OUR NUMBERS

47. 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
Bank 7 Days 1 Month Months Months Months >1 Year Total
2023 (cont’d.) RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000

Liabilities
Deposits from
customers 12,845,478 4,975,932 6,167,904 5,083,239 2,662,939 1,076,310 32,811,802
Investment accounts
of customers 247,689 - - - - - 247,689
Deposits and
placements of
banks and other
financial institutions - 184,018 - 200 - 345,416 529,634
Bills and acceptances
payable - - 13,773 - - - 13,773
Islamic derivative
financial liabilities 70 4,697 9,470 7,282 - - 21,519
Other financial
liabilities - 23,374 - - 77,731 - 101,105
Lease liabilities - 893 1,730 2,578 5,189 28,079 38,469
Recourse obligation
on financing
sold to Cagamas - - - 201,783 - 856,962 1,058,745
Subordinated sukuk - 7,092 - 1,034 - 798,798 806,924

Total financial liabilities 13,093,237 5,196,006 6,192,877 5,296,116 2,745,859 3,105,565 35,629,660
Net maturity mismatch (10,003,533) (3,939,596) (4,634,683) (3,565,637) 695,568 24,565,619 3,117,738

Commitments and
contingencies
Contingent liabilities 3,792 16,048 20,572 159,329 125,479 676,223 1,001,443
Commitments 213,553 112,655 117,712 58,297 48,590 1,751,205 2,302,012
Other Miscellaneous
Commitment and
Contingent Liabilities 55,321 - 124 - 1 4,594 60,040
Islamic derivative
financial instruments 25,668 333,188 892,179 824,010 212,318 - 2,287,363
Total commitments
and contingencies 298,334 461,891 1,030,587 1,041,636 386,388 2,432,022 5,650,858

* These balances exclude balances which are not within the scope of MFRS 9, Financial Instruments.

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