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ANNUAL REPORT 2021 189
Notes to the fiNaNcial statemeNts
42. financial risk management POlicies (cOnt’D.)
Liquidity risk management (cont’d.)
On Less than 3 to 12 1 to 5 Over 5
Group and Bank demand 3 months months years years Total
RM’000 RM’000 RM’000 RM’000 RM’000 RM’000
2020
Derivative financial instruments - - - - - -
Non-derivative financial liabilities
Borrowings - 751,207 2,114,612 3,426,350 603,452 6,895,621
Other liabilities 445,052 - - - - 445,052
Total financial liabilities 445,052 751,207 2,114,612 3,426,350 603,452 7,340,673
Commitments and contingencies
Banking operation commitments
Contracted but not provided for:
Guarantee facility 124,039 - - - - 124,039
Letter of credit 3,281 - - - - 3,281
Undrawn loans and financing - 612,020 1,163,470 264,584 108,438 2,148,512
127,320 612,020 1,163,470 264,584 108,438 2,275,832
Insurance operation commitments
Contracted but not provided for:
Within one year - - 454,725 - - 454,725
One year or later and
no later than five years - - - 366,635 - 366,635
- - 454,725 366,635 - 821,360
Total commitments and
contingencies 127,320 612,020 1,618,195 631,219 108,438 3,097,192
