329 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.) Bank (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 1,807,059 679,503 1,078,668 - - - - 3,565,230 3.18 Deposits and placement of banks and other financial institutions 482,346 156,050 165,600 - - - - 803,996 3.18 Borrowings - - - 40,000 83,500 - - 123,500 5.07 Obligations on securities sold under repurchase agreements 226,631 - - - - - - 226,631 Derivative financial liabilities - - - - - 42,230 - 42,230 Balances due to clients and brokers - - - - - 352,093 - 352,093 Other non interest sensitive balances 2,843 - 3,064 1,300 - 296,223 - 303,430 Total liabilities 2,518,879 835,553 1,247,332 41,300 83,500 690,546 - 5,417,110 Equity - - - - - 1,041,018 - 1,041,018 Total liabilities and shareholders’ equity 2,518,879 835,553 1,247,332 41,300 83,500 1,731,564 - 6,458,128 On-balance sheet interest sensitivity gap 277,349 (468,078) (1,177,210) 291,391 688,600 (120,674) 508,622 - Cumulative interest sensitivity gap 277,349 (190,729) (1,367,939) (1,076,548) (387,948) (508,622) - -
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