325 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2025 06 / FINANCIAL STATEMENTS 01 02 03 04 05 07 08 09 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (b) Market risk (cont’d.) (i) Interest rate risk (cont’d.) Group (cont’d.) 2025 (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 1,701,865 645,503 1,048,151 - - - - 3,395,519 3.18 Deposits and placement of banks and other financial institutions 482,346 156,050 165,600 - - - - 803,996 3.18 Borrowings 15,000 - - 40,000 83,500 - - 138,500 5.11 Obligations on securities sold under repurchase agreements 226,631 - - - - - - 226,631 Derivative financial liabilities - - - - - 42,230 - 42,230 Balances due to clients and brokers - - - - - 935,516 - 935,516 Other non interest sensitive balances 2,843 - 3,064 1,300 - 472,108 - 479,315 Total liabilities 2,428,685 801,553 1,216,815 41,300 83,500 1,449,854 - 6,021,707 Equity - - - - - 1,088,463 - 1,088,463 Non-controlling interest - - - - - - - - Total liabilities and shareholders’ equity 2,428,685 801,553 1,216,815 41,300 83,500 2,538,317 - 7,110,170 On-balance sheet interest sensitivity gap 646,129 (414,072) (1,110,317) 277,006 688,600 (594,421) 507,075 - Cumulative interest sensitivity gap 646,129 232,057 (878,260) (601,254) 87,346 (507,075) - -
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