241 How We Are Governed Financial Statements Shareholders’ Information Additional Information 24. OTHER LIABILITIES Note Group Bank 2021 RM’000 2020 RM’000 2021 RM’000 2020 RM’000 Interest/income payable 13,301 17,275 13,032 16,544 Retention for contra losses 17 17 17 17 Structured products 3,168 15,583 3,168 15,583 Treasury trade payables 49,892 - 49,892 - Accruals and provisions (i) 246,142 141,510 61,732 62,383 Amount held in trust on behalf of: - Dealer’s representatives 122,029 122,522 122,029 122,522 Securities borrowing and lending 28,867 1,657 28,867 1,657 Deposits and other creditors 110,283 144,691 105,423 141,927 Amount due to trustee - 4,040 - - Amount due to subsidiaries - - 1 12 573,699 447,295 384,161 360,645 (i) Included in accruals and provisions, the movements of provisions are as follows: Group Bank 2021 RM’000 2020 RM’000 2021 RM’000 2020 RM’000 As at 1 January 51,885 18,624 42,703 14,804 Provision made, net 56,204 52,306 39,189 41,633 Utilisation (48,135) (19,045) (39,359) (13,734) As at 31 December 59,954 51,885 42,533 42,703 The nature of the provisions made above are for provision for annual leave, bonus, potential liabilities and directors’ fee. 25. BORROWINGS Note Group Bank 2021 RM’000 2020 RM’000 2021 RM’000 2020 RM’000 Secured: Revolving bank loan (a) 19,200 30,400 19,200 30,400 Unsecured: Revolving bank loans (b) 40,000 23,000 - - Subordinated notes (c) 185,500 122,000 185,500 122,000 244,700 175,400 204,700 152,400
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