Page 180 - EXIM-BANK-AR20

178 EXIM BANK MALAYSIA
Annual Report 2020

NOTES TO THE FINANCIAL STATEMENTS

42. FINANCIAL RISK MANAGEMENT POLICIES (CONT’D.)
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
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 442,800 - - - - 442,800
Total financial liabilities 442,800 751,207 2,114,612 3,426,350 603,452 7,338,421

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