327 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.) 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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