Affin Bank Berhad | Annual Report 2020

477 AFFIN BANK BERHAD 197501003274 (25046-T) | ANNUAL REPORT 2020 b) Disclosure on Off-Balance Sheet and Counterparty Credit Risk (RM’000) (continued) The Group 2019 Positive Fair Value Credit Risk Principal of Derivative Equivalent Weighted Description Amount Contracts Amount Amount Direct Credit Substitutes 556,462 - 556,462 522,344 Transaction related contingent items 1,969,168 - 984,584 917,071 Short Term Self Liquidating trade related contingencies 454,792 - 90,958 46,254 Foreign exchange related contracts One year or less 13,000,360 112,229 298,446 118,074 Over one year to five years 927,491 14,142 77,658 39,206 Interest/Profit rate related contracts One year or less 873,148 918 1,973 524 Over one year to five years 3,710,000 30,839 126,234 35,180 Over five years 300,000 6,740 23,827 6,875 Other commitments, such as formal standby facilities and credit lines, with an original maturity of over one year 1,913,716 - 956,858 689,172 Other commitments, such as formal standby facilities and credit lines, with an original maturity of up to one year 6,020,758 - 1,204,152 892,739 Any commitments that are unconditionally cancelled at any time by the bank without prior notice or that effectively provide for automatic cancellation due to deterioration in a borrower’s creditworthiness 578,072 - - - Unutilised credit card lines 547,266 - 109,453 81,698 Total 30,851,233 164,868 4,430,605 3,349,137 BASEL I I PILLAR 3 DISCLOSURES AS AT 31ST DECEMBER 2020 APPENDIX IV