340 KENANGA INVESTMENT BANK BERHAD INTEGRATED ANNUAL REPORT 2025 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2025 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (c) Liquidity risk (cont’d.) (i) Analysis of assets and liabilities by remaining contractual maturities (cont’d.) The table below summarises the contractual maturity profile of the Bank’s assets and liabilities as at 31 December 2025. The contractual maturity profile often may not reflect the actual behavioural patterns. (cont’d.) Bank (cont’d.) 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 Liabilities Deposits from customers 36,584 1,770,475 679,503 676,809 401,859 - - 3,565,230 Deposits and placements of banks and other financial institutions - 482,346 156,050 135,600 30,000 - - 803,996 Obligations on securities sold under repurchase agreements - 226,631 - - - - - 226,631 Derivative financial liabilities - 1,441 8,002 3,708 28,800 279 - 42,230 Balances due to clients and brokers - 352,093 - - - - - 352,093 Borrowings - - - - - 123,500 - 123,500 Other liabilities balances - 102,898 9,981 8,788 8,517 18,286 154,960 303,430 Total liabilities 36,584 2,935,884 853,536 824,905 469,176 142,065 154,960 5,417,110 Net maturity mismatch 560,940 (275,464) (551,759) (752,762) (399,060) 1,293,193 1,165,930 1,041,018 The table below shows the contractual expiry by maturity of the Bank’s contingent liabilities and commitments: Bank 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 Commitments to extend credit: - share margin financing 2,674,740 - - - - - - 2,674,740 Miscellaneous commitments - monies held in trust on behalf of client 1,111,265 - - - - - - 1,111,265 Other commitments - corporate loan 156,473 - - - - 20,000 27,000 203,473 Securities borrowing and lending 17,669 - - - - - - 17,669 Total commitments and guarantees 3,960,147 - - - - 20,000 27,000 4,007,147
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