KENANGA INVESTMENT BANK BERHAD INTEGRATED ANNUAL REPORT 2024 WE ARE KENANGA OUR SUSTAINABILITY APPROACH LEADERSHIP STATEMENT HOW WE ARE GOVERNED SHAREHOLDERS’ INFORMATION NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2024 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2024 FINANCIAL STATEMENTS ADDITIONAL INFORMATION OUR VALUE CREATION APPROACH 313 312 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (b) Market risk (cont’d.) (i) Interest rate risk (cont’d.) Group 2024 Up to 1 month RM'000 >1-3 months RM'000 >3-12 months RM'000 >1-5 years RM'000 Over 5 years RM'000 Non interest sensitive RM'000 Trading book RM'000 Total RM'000 Effective interest rate % Assets Cash and bank balances 1,069,817 205,467 100 - - 822,675 - 2,098,059 3.51 Financial assets at FVTPL - - - - - - 552,301 552,301 4.04 Financial instruments at FVOCI - - 10,000 96,820 760,332 1,421 - 868,573 4.09 Financial instruments at AC - 14,996 51,576 171,780 282,666 - - 521,018 4.54 Derivative financial assets - - - - - 49,697 - 49,697 Loans, advances and financing 1,724,994 68,090 18,179 12,589 - - - 1,823,852 8.72 Balances due from clients and brokers - - - - - 454,947 - 454,947 Other assets 225,773 - - - - 213,995 - 439,768 Other non interest sensitive balances - - - - - 848,698 - 848,698 Total assets 3,020,584 288,553 79,855 281,189 1,042,998 2,391,433 552,301 7,656,913 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (b) Market risk (cont’d.) (i) Interest rate risk (cont’d.) Group (cont’d.) 2024 (cont’d.) Up to 1 month RM'000 >1-3 months RM'000 >3-12 months RM'000 >1-5 years RM'000 Over 5 years RM'000 Non interest sensitive RM'000 Trading book RM'000 Total RM'000 Effective interest rate % Liabilities Deposits from customers 2,049,214 1,070,630 642,750 - - - - 3,762,594 3.34 Deposits and placement of banks and other financial institutions 249,679 330,156 150,000 - - - - 729,835 3.34 Borrowings 9,000 - - - 180,500 - - 189,500 4.84 Obligations on securities sold under repurchase agreements 69,514 - - - - - - 69,514 Derivative financial liabilities - - - - - 60,133 - 60,133 Balances due to clients and brokers - - - - - 1,012,438 - 1,012,438 Other non interest sensitive balances 16,410 - - - - 698,647 - 715,057 Total liabilities 2,393,817 1,400,786 792,750 - 180,500 1,771,218 - 6,539,071 Equity - - - - - 1,117,842 - 1,117,842 Total liabilities and shareholders' equity 2,393,817 1,400,786 792,750 - 180,500 2,889,060 - 7,656,913 On-balance sheet interest sensitivity gap 626,767 (1,112,233) (712,895) 281,189 862,498 (497,627) 552,301 - Cumulative interest sensitivity gap 626,767 (485,466) (1,198,361) (917,172) (54,674) (552,301) - -
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