Page 191 - Exim iar24_Ebook

EXIM BANK MALAYSIA ANNUAL REPORT 2024

7 FINANCIAL STATEMENTS 189
NOTES TO THE FINANCIAL STATEMENTS

42. FINANCIAL RISK MANAGEMENT POLICIES (cont’d)
Liquidity risk management (cont’d)
Measurement

Liquidity is measured by the Group’s and the Bank’s ability to efficiently and economically accommodate decrease in deposits/
funding (such as funds obtained from the Government) and other purchased liabilities and to fund increases in assets to
ensure continued growth of the Group and the Bank.
The Group and the Bank maintain large capital base, sufficient liquid assets, diversified funding sources, and regularly
assesses the long-standing relationship with traditional fund providers. These processes are subject to regular reviews to
ensure adequacy and appropriateness.
In addition, the Group’s and the Bank’s liquidity positions are monitored and managed through structural liquidity indicators,
such as loan to purchase funds and offshore revolving funds utilisation rate ratios to maintain an optimal funding mix and
asset composition.
Table below analyses assets and liabilities of the Group’s and the Bank’s according to their contractual maturity:
No specific Less than 3 to 12 1 to 5 Over
maturity 3 months months years 5 years Total
RM’000 RM’000 RM’000 RM’000 RM’000 RM’000
Group
2024

Assets
Cash and bank balances 26,699 - - - - 26,699
Deposits and placements
with banks and other
financial institutions - 1,278,340 - - - 1,278,340
Financial investments
at fair value through
profit or loss - - - - 5,011 5,011
Financial investments
at fair value through other
comprehensive income - 5,001 55,361 341,556 250,037 651,955
Financial investments
at amortised cost - - - 155,598 50,983 206,581
Loans, advances and financing - 735,351 673,925 569,388 1,303,623 3,282,287
Reinsurance contract assets 285 - 1,867 1,784 - 3,936
Other assets 94,331 - - - - 94,331
Total assets 121,315 2,018,692 731,153 1,068,326 1,609,654 5,549,140

Liabilities
Borrowings - 1,098,569 102,072 2,156,265 - 3,356,906
Deposit from a corporate
customer - - 10,005 - - 10,005
Derivative financial
instruments - 110,854 - - - 110,854
Insurance contract/takaful
certificates liabilities 19,181 104 3,750 2,683 - 25,718
Other liabilities 375,076 - 992 169 - 376,237
Total liabilities 394,257 1,209,527 116,819 2,159,117 - 3,879,720

Net maturity mismatch (272,942) 809,165 614,334 (1,090,791) 1,609,654 1,669,420