Page 174 - EXIM-BANK-AR20

172 EXIM BANK MALAYSIA
Annual Report 2020

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

2020
Assets
Cash and bank balances - - - - 122,399 122,399
Deposits and placement with banks
and other financial institutions 3,205,749 148,201 10,149 - - 3,364,099
Financial Investments - 49,459 1,116,092 - - 1,165,551
Loans, advances and financing 189,598 932,205 1,112,125 672,411 772,744 3,679,083
Derivative financial instruments - - - - 141,749 141,749
Other assets - - - - 227,463 227,463
Total assets 3,395,347 1,129,865 2,238,366 672,411 1,264,355 8,700,344

Liabilities and equity
Borrowings 748,027 2,064,109 3,322,895 456,251 - 6,591,282
Derivative financial instruments - - - - - -
Other liabilities - - - - 506,934 506,934
Shareholders’ and Takaful
participants fund - - - - 1,602,129 1,602,129
Total liabilities and equity 748,027 2,064,109 3,322,895 456,251 2,109,063 8,700,345

Period gap 2,647,320 (934,244) (1,084,529) 216,160 (844,707) -
Cumulative gap 2,647,320 1,713,076 628,547 844,707 - -