Annual Report 2024

Dar Al-Maal Al-Islami Trust NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS For the year ended 31 December 2024 in thousands of USD 35 4. Financial instruments (continued) B. Financial risk management (continued) iii. Liquidity risk (continued) At 31 December 2023 Up to one month One- three months Three- twelve months One-five years Over five years Total Liabilities Due to customers 3,473,855 431,586 456,273 81,667 - 4,443,381 Due to banks and financial institutions 721,866 108,304 26,404 169,050 162,419 1,188,043 Derivative Financial instruments - - - - - - Debt securities in Issue - - 305 5,895 - 6,200 Deferred Income - - 8,511 - - 8,511 Accounts payable 74,838 - 139,968 16,636 61,342 292,784 Total liabilities liquidity risk 4,270,559 539,890 631,461 273,248 223,761 5,938,919 The table below presents the expected cash outflow by the Group under off-balance sheet liabilities. At 31 December 2024 No later than one year One-five years Over five years Total Endorsements 86,343 - 7 86,350 Guarantees and irrevocable letters of credit 552,592 16,160 3,360 572,112 Undrawn facilities and other commitments to finance 1,212,056 - - 1,212,056 Open foreign currency positions 574,403 - - 574,403 Customer and other claims 14,795 14,795 Total 2,440,189 16,160 3,367 2,459,716 At 31 December 2023 No later than one year One-five years Over five years Total Endorsements 46,785 - - 46,785 Guarantees and irrevocable letters of credit 444,820 18,497 3,236 466,553 Undrawn facilities and other commitments to finance 752,403 - - 752,403 Open foreign currency positions Customer claims 104,286 104,286 Repurchase and resale transactions 461,621 - - 461,621 Total 1,705,629 122,783 3,236 1,831,648