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Section 06 Financial Statements
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42. FINANCIAL RISK MANAGEMENT POLICIES (CONT’D.)
Liquidity risk management (cont’d.)
Measurement (cont’d.)
Table below analyses assets and liabilities of the Group’s and the Bank’s according to their contractual maturity (cont’d.):

On Less than 3 to 12 1 to 5 Over 5
Bank demand 3 months months years years 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 placements with banks
and other financial institutions - 3,205,749 148,201 10,149 - 3,364,099
Financial Investment - - 49,459 1,116,092 - 1,165,551
Loans, advances and financing - 189,598 932,205 1,112,125 1,445,155 3,679,083
Derivative financial instruments 141,749 - - - - 141,749
Other assets 227,463 - - - - 227,463
Total assets 491,611 3,395,347 1,129,865 2,238,366 1,445,155 8,700,344

Liabilities
Borrowings - 748,027 2,064,109 3,322,895 456,251 6,591,282
Derivative financial instruments - - - - - -
Other liabilities 506,934 - - - - 506,934
Total liabilities 506,934 748,027 2,064,109 3,322,895 456,251 7,098,216
Net maturity mismatch (15,322) 2,647,320 (934,244) (1,084,529) 988,904 1,602,129

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

Liabilities
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
Total liabilities 569,353 2,394,740 363,201 4,161,213 519,280 8,007,787
Net maturity mismatch 652,741 1,652,687 (45,532) (1,141,698) 440,047 1,558,245