KENANGA ANNUAL REPORT 2017

50. FINANCIAL RISK MANAGEMENT (CONT’D.) (c) Liquidity risk (cont’d.) (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 2017. The contractual maturity profile often may not reflect the actual behavioural patterns. Group 2017 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 279,972 836,986 230,559 – – – – 1,347,517 Financial assets at fair value through profit or loss – 65,946 89,733 93,995 – 70,425 237,469 557,568 Derivative financial assets 75 30,908 1,200 1,550 33,122 538 – 67,393 Financial investments available-for-sale – 115,013 – 10,035 106,636 777,993 490 1,010,167 Financial investments held-to-maturity – – 6,000 – 10,001 22,000 – 38,001 Loans, advances and financing 140,278 1,564,284 1,201 43,424 8,032 438,282 – 2,195,501 Balances due from clients and brokers – 494,883 – – – – – 494,883 Other assets 19,986 38,466 10,053 1,942 – – 47,970 118,417 Others – – – – – – 663,134 663,134 Total assets 440,311 3,146,486 338,746 150,946 157,791 1,309,238 949,063 6,492,581 Liabilities Deposits from customers 41,650 2,406,739 1,400,081 244,426 141,018 – – 4,233,914 Deposits and placements of banks and other financial institutions – 210,762 – – – – – 210,762 Obligations on securities sold under repurchase agreements – 74,993 – – – – – 74,993 Derivative financial liabilities – 371 14,086 15,031 6,686 – – 36,174 Balances due to clients and brokers – 624,612 – – – – – 624,612 Borrowings – 18,000 5,800 2,800 5,600 57,800 – 90,000 Other liabilities balances 500 109,403 12,924 10,181 19,881 – 177,771 330,660 Total liabilities 42,150 3,444,880 1,432,891 272,438 173,185 57,800 177,771 5,601,115 Net maturity mismatch 398,161 (298,394) (1,094,145) (121,492) (15,394) 1,251,438 771,292 891,466 The table below shows the contractual expiry by maturity of the Group’s contingent liabilities and commitments. Each undrawn loan commitment is included in the time band containing the earliest date it can be drawn down. 2017 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 Miscellaneous commitments 728,134 – – – – – – 728,134 Total commitments and guarantees 728,134 – – – – – – 728,134 Annual Report 2017 31 December 2017 201 notes to the financial statements