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 317 316 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (b) Market risk (cont’d.) (i) Interest rate risk (cont’d.) Bank 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 985,735 194,750 - - - 206,301 - 1,386,786 3.51 Financial assets at FVTPL - - - - - - 553,541 553,541 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 1,781,641 68,090 - - - - - 1,849,731 8.08 Balances due from clients and brokers - - - - - 454,837 - 454,837 Other assets - - - 29,495 - 189,649 - 219,144 Other non interest sensitive balances - - - - - 820,284 - 820,284 Total assets 2,767,376 277,836 61,576 298,095 1,042,998 1,722,189 553,541 6,723,611 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (b) Market risk (cont’d.) (i) Interest rate risk (cont’d.) Bank (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 2,155,936 1,080,630 668,250 - - - - 3,904,816 3.34 Deposits and placement of banks and other financial institutions 249,679 330,156 150,000 - - - - 729,835 3.34 Borrowings - - - - 180,500 - - 180,500 4.80 Obligations on securities sold under repurchase agreements 69,514 - - - - - - 69,514 Derivative financial liabilities - - - - - 60,133 - 60,133 Balances due to clients and brokers - - - - - 360,633 - 360,633 Other non interest sensitive balances 16,410 - - - - 355,900 - 372,310 Total liabilities 2,491,539 1,410,786 818,250 - 180,500 776,666 - 5,677,741 Equity - - - - - 1,045,870 - 1,045,870 Total liabilities and shareholders' equity 2,491,539 1,410,786 818,250 - 180,500 1,822,536 - 6,723,611 On-balance sheet interest sensitivity gap 275,837 (1,132,950) (756,674) 298,095 862,498 (100,347) 553,541 - Cumulative interest sensitivity gap 275,837 (857,113) (1,613,787) (1,315,692) (453,194) (553,541) - -
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