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Section 06 Financial Statements
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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

2019
Assets
Cash and bank balances - - - - 62,593 62,593
Deposits and placement with banks
and other financial institutions 3,022,168 25,000 - - - 3,047,168
Financial Investments - - 1,204,442 - - 1,204,442
Loans, advances and financing 1,025,259 292,669 1,815,073 959,327 676,314 4,768,642
Derivative financial instruments - - - - 61,218 61,218
Other assets - - - - 421,969 421,969
Total assets 4,047,427 317,669 3,019,515 959,327 1,222,094 9,566,032

Liabilities and equity
Borrowings 2,394,740 363,201 4,161,213 519,280 - 7,438,434
Derivative financial instruments - - - - 18,531 18,531
Other liabilities - - - - 550,822 550,822
Shareholders’ and Takaful
participants fund - - - - 1,558,245 1,558,245
Total liabilities and equity 2,394,740 363,201 4,161,213 519,280 2,127,598 9,566,032

Period gap 1,652,687 (45,532) (1,141,698) 440,047 (905,504) -
Cumulative gap 1,652,687 1,607,155 465,457 905,504 - -