Page 322 - Bank Muamalat_AR24

320 BANK MUAMALAT MALAYSIA BERHAD

NOTES TO THE FINANCIAL STATEMENTS
31 DECEMBER 2024 (29 JAMADIL AKHIR 1446H)

47. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES (CONT’D.)

(b) Market risk (cont’d.)
Types of market risk (cont’d.)

(ii) Non-traded market risk (cont’d.)
Rate of return risk (cont’d.)

Sensitivity analysis for rate of return risk
The analysis measures the increase or decline in earnings and economic value for upward and downward rate
shocks, which are consistent with shocks applied in the stress test for measuring:

Group Bank
-50 Basis +50 Basis -50 Basis +50 Basis
Increase/(decrease) Points Points Points Points
in basis points RM’000 RM’000 RM’000 RM’000

Impact on Earnings:
2024

MYR (35,940) 35,940 (35,890) 35,890
USD 2,304 (2,304) 2,304 (2,304)
EUR 222 (222) 222 (222)

2023
MYR (34,610) 34,610 (34,545) 34,545
USO 1,828 (1,828) 1,828 (1,828)
EUR (1) 1 (1) 1

Impact on Equity:
2024

MYR 92,673 (92,673) 92,670 (92,670)
USO (189) 189 (189) 189
EUR (12) 12 (12) 12

2023
MYR 70,741 (70,741) 70,737 (70,737)
USO (152) 152 (152) 152
EUR 1 (1) 1 (1)