331 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.) 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 2,155,936 1,080,630 668,250 - - - - 3,904,816 3.34 Deposits and placement of banks and other financial institutions 249,679 330,156 150,000 - - - - 729,835 3.34 Borrowings - - - - 180,500 - - 180,500 4.80 Obligations on securities sold under repurchase agreements 69,514 - - - - - - 69,514 Derivative financial liabilities - - - - - 60,133 - 60,133 Balances due to clients and brokers - - - - - 360,633 - 360,633 Other non interest sensitive balances 16,410 - - - - 355,900 - 372,310 Total liabilities 2,491,539 1,410,786 818,250 - 180,500 776,666 - 5,677,741 Equity - - - - - 1,045,870 - 1,045,870 Total liabilities and shareholders’ equity 2,491,539 1,410,786 818,250 - 180,500 1,822,536 - 6,723,611 On-balance sheet interest sensitivity gap 275,837 (1,132,950) (756,674) 298,095 862,498 (100,347) 553,541 - Cumulative interest sensitivity gap 275,837 (857,113) (1,613,787) (1,315,692) (453,194) (553,541) - -
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