BIMB Integrated Annual Report 2017

45. FINANCIAL RISK MANAGEMENT POLICIES (CONTINUED) 45.4 Market risk (continued) (a) Banking (continued) (i) Profit rate risk (continued) NON TRADING BOOK NON EFFECTIVE UP TO >1-3 >3-12 1-5 OVER PROFIT TRADING PROFIT BANK ISLAM 1 MONTH MONTHS MONTHS YEARS 5 YEARS SENSITIVE BOOK TOTAL RATE AS AT 31 DECEMBER 2016 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 RM’000 % Liabilities Deposits from customers 16,904,998 9,948,300 4,436,940 410,072 – 14,240,104 – 45,940,414 2.52 Investment accounts of customers 923,998 1,177,432 193,987 – – 1,516,844 – 3,812,261 3.38 Deposits and placements of banks and other financial institutions 30,000 – – – – – – 30,000 4.47 Derivative financial liabilities – – – – – – 111,089 111,089 2.81 Bills and acceptances payable – – – – – 46,278 – 46,278 Subordinated Sukuk Murabahah – – – 700,000 – 4,393 – 704,393 5.56 Other liabilities – – – – – 646,796 – 646,796 Total liabilities 17,858,996 11,125,732 4,630,927 1,110,072 – 16,454,415 111,089 51,291,231 Note 51 Equity Equity attributable to equity holders of the Bank – – – – – 4,385,466 – 4,385,466 Total equity – – – – – 4,385,466 – 4,385,466 Total liabilities and shareholders’ equity of the Bank 17,858,996 11,125,732 4,630,927 1,110,072 – 20,839,881 111,089 55,676,697 On-balance sheet profit sensitivity gap 19,088,271 (10,227,883) (3,081,834) 5,136,005 6,988,444 (18,491,321) 588,318 – Off-balance sheet profit sensitivity gap (profit rate swaps) 300,000 300,000 (200,000) (400,000) – – – – Total profit sensitivity gap 19,388,271 (9,927,883) (3,281,834) 4,736,005 6,988,444 (18,491,321) 588,318 – NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2017 266 BIMB HOLDINGS BERHAD Integrated Annual Report 2017