Page 183 - EXIM_AR2021

ANNUAL REPORT 2021 181

Notes to the fiNaNcial statemeNts

42. financial risk management POlicies (cOnt’D.)

Asset liability management (cont’d.)
Measurement (cont’d.)
The table below shows the Group’s and the Bank’s interest rate risk exposure based on contractual re-pricing gap: (cont’d.)

Less than 3 to 12 1 to 5 Over 5 Non-interest
Bank 3 months months years years bearing Total
RM’000 RM’000 RM’000 RM’000 RM’000 RM’000

2021
Assets

Cash and bank balances - - - - 49,513 49,513
Deposits and placement with banks
and other financial institutions 3,126,776 - - - - 3,126,776
Financial Investments - 302,787 611,291 193,561 - 1,107,639
Loans, advances and financing 83,585 889,243 1,050,041 631,686 647,006 3,301,561
Derivative financial instruments 5,004 - 28,084 47,375 - 80,463
Other assets - - - - 211,976 211,976
Total assets 3,215,365 1,192,030 1,689,416 872,622 908,495 7,877,928

Liabilities and equity
Borrowings 499,165 1,304,202 3,542,143 436,185 - 5,781,695
Derivative financial instruments - - 999 - - 999
Other liabilities - - - - 469,725 469,725
Shareholders’ and Takaful
participants fund - - - - 1,625,509 1,625,509
Total liabilities and equity 499,165 1,304,202 3,543,142 436,185 2,095,234 7,877,928

Period gap 2,716,200 (112,172) (1,853,726) 436,437 (1,186,739) -

Cumulative gap 2,716,200 2,604,028 750,302 1,186,739 - -