335 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.) (c) Liquidity risk Liquidity risk is the risk of loss as a result of the Group’s or of the Bank’s inability to meet cash flow obligations in a timely and cost effective manner. Liquidity risk is managed through the Liquidity Coverage Ratio Framework issued by BNM, internal policies and management oversight by the Group Risk Committee. A Contingency Funding Plan has been formulated which covers the policies, procedures, roles and responsibilities, funding strategies and notwithstanding, the deployment of such during a liquidity event. The Group and the Bank actively manage their operating cash flows and the availability of funding so as to ensure that all funding needs are met. As part of their overall prudent liquidity management, the Group and the Bank maintain sufficient levels of cash or cash convertible investments to meet their working capital requirements in addition to maintaining available banking facilities, to meet any immediate operating cash flow requirements. In accordance with BNM’s Liquidity Coverage Ratio guideline, the Group and the Bank maintain a portfolio of highly marketable and diversified assets which are assumed to be easily liquidated in the event of an unforeseen interruption of cash flow. In addition, the Group and the Bank maintain a statutory deposit with BNM equal to 1.0% of net eligible liabilities. Both the Group and the Bank have consistently maintained sufficient level of liquidity with an average LCR of 222% and 194% for the past 12 months. (i) Analysis of assets and liabilities by remaining contractual maturities The table below summarises the contractual maturity profile of the Group’s assets and liabilities as at 31 December 2025. The contractual maturity profile may often not reflect the actual behavioural patterns. Group 2025 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 Assets Cash and bank balances 511,396 1,291,294 300,581 70,100 - - - 2,173,371 Financial assets at FVTPL - - - - - - 507,075 507,075 Financial instruments at FVOCI - 5,001 5,007 - 10,059 653,812 1,382 675,261 Financial instruments at AC - - 4,970 15,989 11,757 421,704 - 454,420 Derivative financial assets - 206 6,389 260 4,030 279 - 11,164 Loans, advances and financing 340,497 1,061,755 - - 57,863 290,045 - 1,750,160 Balances due from clients and brokers - 480,688 - - - - - 480,688 Other assets 6,133 181,260 3,942 4,553 - - 113,782 309,670 Others - 1,689 1,129 1,694 3,384 18,953 721,512 748,361 Total assets 858,026 3,021,893 322,018 92,596 87,093 1,384,793 1,343,751 7,110,170
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