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ANNUAL REPORT 2021 233

Notes to the fiNaNcial statemeNts

44. islamic bUsiness fUnDs (cOnt’D.)

Notes to the financial statements for Islamic business fund and Takaful fund for the financial year ended 31 December 2021
(cont’d.)
(q) Liquidity risk management (cont’d.)

The following tables show the contractual undiscounted cash flow payable for non-derivatives financial liabilities.
The financial liabilities in the tables below do not agree to the balances in the statement of financial position as the
tables incorporate all contractual cash flows, on an undiscounted basis, relating to both principal and interest payments.
The maturity profile does not necessarily reflect behavioural cash flows.
On Less than 3 to 12 1 to 5 Over 5
Islamic business demand 3 months months years years Total
RM’000 RM’000 RM’000 RM’000 RM’000 RM’000

2021
Derivative financial instruments - - - - - -

Non-derivative financial liabilities
Borrowings - 3 99,675 187,430 1,325,793 - 1,912,898
Other liabilities 688,616 - - - - 688,616
Total financial liabilities 688,616 399,675 187,430 1,325,793 - 2,601,514

Commitments and contingencies
Banking operation commitments
Contracted but not provided for:
Guarantee facility 3,450 - - - - 3,450
Letter of credit 645 - - - - 645
Undrawn loans and financing 405,718 35,000 225,621 79,508 70,302 816,149

409,813 35,000 225,621 79,508 70,302 820,244
Insurance operation commitments
Contracted but not provided for:
Within one year - - 319,069 - - 319,0695
One year or later and no later
than five years - - - 174,930 - 174,930

- - 319,069 174,930 - 493,999

Total commitments and
contingencies 409,813 35,000 544,690 254,438 70,302 1,314,243