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 327 326 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (c) Liquidity risk (cont’d.) (i) Analysis of assets and liabilities by remaining contractual maturities (cont’d.) Group 2023 On demand RM’000 Up to 1 month RM’000 >1 to 3 months RM’000 >3 to 6 months RM’000 >6 to 12 months RM’000 >1 year RM’000 Non specific maturity RM’000 Total RM’000 Liabilities Deposits from customers 90,070 1,956,010 919,137 368,401 261,907 15,070 - 3,610,595 Deposits and placements of banks and other financial institutions - 331,803 - - - - - 331,803 Obligations on securities sold under repurchase agreements - 97,232 - - - - - 97,232 Derivative financial liabilities - 3,721 3,362 3,969 34,045 - - 45,097 Balances due to clients and brokers - 775,015 - - - - - 775,015 Borrowings - - - - - 180,500 - 180,500 Other liabilities balances 3,355 114,479 7,574 4,887 5,725 17,618 317,991 471,629 Total liabilities 93,425 3,278,260 930,073 377,257 301,677 213,188 317,991 5,511,871 Net maturity mismatch 670,437 (375,200) (748,198) (333,828) (242,496) 1,182,859 917,401 1,070,975 The table below shows the contractual expiry by maturity of the Group’s contingent liabilities and commitments: On demand RM’000 Up to 1 month RM’000 >1 to 3 months RM’000 >3 to 6 months RM’000 >6 to 12 months RM’000 >1 year RM’000 Non specific maturity RM’000 Total RM’000 Commitments to extend credit: - share margin financing 2,882,629 - - - - - - 2,882,629 - foreign exchange related contracts - 55,095 137 - - - - 55,232 Miscellaneous commitments - monies held in trust on behalf of client 980,227 - - - - - - 980,227 Other commitments - corporate loan 65,392 - 6,000 42,500 6,041 - - 119,933 Securities borrowing and lending 8,367 - - - - - - 8,367 Total commitments and guarantees 3,936,615 55,095 6,137 42,500 6,041 - - 4,046,388 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (c) Liquidity risk (cont’d.) (i) Analysis of assets and liabilities by remaining contractual maturities (cont’d.) The table below summarises the contractual maturity profile of the Bank’s assets and liabilities as at 31 December 2024. The contractual maturity profile often may not reflect the actual behavioural patterns. Bank 2024 On demand RM’000 Up to 1 month RM’000 >1 to 3 months RM’000 >3 to 6 months RM’000 >6 to 12 months RM’000 >1 year RM’000 Non specific maturity RM’000 Total RM’000 Assets Cash and bank balances 206,301 985,735 194,750 - - - - 1,386,786 Financial assets at FVTPL - - - - - - 553,541 553,541 Financial instruments at FVOCI - - - - 10,000 857,152 1,421 868,573 Financial instruments at AC - - 14,996 10,902 40,675 454,445 - 521,018 Derivative financial assets - 41,768 962 3,095 3,872 - - 49,697 Loans, advances and financing 303,518 1,155,364 - - 8,502 382,347 - 1,849,731 Balances due from clients and brokers - 454,837 - - - - - 454,837 Other assets 10,548 68,615 3,769 5,749 - 29,495 100,968 219,144 Others - 1,552 980 1,470 2,941 9,701 803,640 820,284 Total assets 520,367 2,707,871 215,457 21,216 65,990 1,733,140 1,459,570 6,723,611
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