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 331 330 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (c) Liquidity risk (cont’d.) (i) Analysis of assets and liabilities by remaining contractual maturities (cont’d.) Bank 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 2,059,851 968,012 369,804 261,907 15,070 - 3,764,714 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 - 344,719 - - - - - 344,719 Borrowings - - - - - 180,500 - 180,500 Other liabilities balances 3,355 114,817 7,345 4,541 5,077 14,796 133,136 283,067 Total liabilities 93,425 2,952,143 978,719 378,314 301,029 210,366 133,136 5,047,132 Net maturity mismatch 297,528 (217,823) (807,448) (335,329) (247,652) 1,230,757 1,105,186 1,025,219 The table below shows the contractual expiry by maturity of the Bank’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 116,392 - 6,000 42,500 6,041 35,000 - 205,933 Securities borrowing and lending 8,367 - - - - - - 8,367 Total commitments and guarantees 3,987,615 55,095 6,137 42,500 6,041 35,000 - 4,132,388 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (c) Liquidity risk (cont’d.) (ii) Maturity analysis of financial liabilities on an undiscounted basis The following tables show the contractual undiscounted cash flows payable for financial liabilities by remaining contractual maturities. The financial liabilities in the tables below will not agree to the balances reported in the statements of financial position as the tables incorporate all contractual cash flows, on an undiscounted basis, relating to both principal and interest payments. The contractual maturity profile does not necessarily reflect the behavioural cash flows. Group 2024 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 Financial liabilities Deposits from customers 2,065,054 1,086,658 380,100 280,681 - - 3,812,493 Deposits and placements of banks and other financial institutions 251,236 333,797 132,666 20,485 - - 738,184 Obligations on securities sold under repurchase agreements 69,555 - - - - - 69,555 Derivative financial liabilities 4,661 16,862 14,051 24,559 - - 60,133 Balances due to clients and brokers 1,012,438 - - - - - 1,012,438 Borrowings 9,130 - - - 268,926 - 278,056 Other liabilities balances 160,730 12,486 5,341 5,622 32,847 498,031 715,057 Total undiscounted financial liabilities 3,572,804 1,449,803 532,158 331,347 301,773 498,031 6,685,916 Group 2023 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 Financial liabilities Deposits from customers 2,060,656 931,466 375,960 272,153 15,661 - 3,655,896 Deposits and placements of banks and other financial institutions 334,180 - - - - - 334,180 Obligations on securities sold under repurchase agreements 97,416 - - - - - 97,416 Derivative financial liabilities 3,721 3,362 3,969 34,045 - - 45,097 Balances due to clients and brokers 775,015 - - - - - 775,015 Borrowings - - - - 268,951 - 268,951 Other liabilities balances 117,834 7,574 4,887 5,725 17,618 317,991 471,629 Total undiscounted financial liabilities 3,388,822 942,402 384,816 311,923 302,230 317,991 5,648,184
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