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 (cont’d.) The table below summarises the contractual maturity profile of the Group’s assets and liabilities as at 31 December 2016. The contractual maturity profile often may not reflect the actual behavioural patterns. Group 2016 (Restated) 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 146,135 941,013 140,393 – – – 60 1,227,601 Financial assets at fair value through profit or loss – 24,968 84,640 – 45,035 15,735 217,870 388,248 Derivative financial assets – 81 – – 36,839 2,197 – 39,117 Financial investments available-for-sale – 199,890 – – 70,870 666,454 490 937,704 Financial investments held-to-maturity – – 2,000 – – 38,000 – 40,000 Loans, advances and financing 92,560 1,600,667 23,517 – 10,155 378,685 – 2,105,584 Balances due from clients and brokers – 445,005 – – – – – 445,005 Other assets 259 143,033 66,734 – – – 21,413 231,439 Others – – – – – – 655,082 655,082 Total assets 238,954 3,354,657 317,284 – 162,899 1,101,071 894,915 6,069,780 Liabilities Deposits from customers – 1,904,525 910,635 220,320 250,547 – – 3,286,027 Deposits and placements of banks and other financial institutions – 470,861 80,093 – – – – 550,954 Obligations on securities sold under repurchase agreements – 27,253 – – – – – 27,253 Derivative financial liabilities – 1,780 5,924 1,140 38,562 – – 47,406 Balances due to clients and brokers – 857,065 – – – – – 857,065 Borrowings – 50,500 42,800 2,800 5,600 64,000 – 165,700 Other liabilities balances 491 84,287 5,190 607 7,481 – 141,127 239,183 Total liabilities 491 3,396,271 1,044,642 224,867 302,190 64,000 141,127 5,173,588 Net maturity mismatch 238,463 (41,614) (727,358) (224,867) (139,291) 1,037,071 753,788 896,192 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. 2016 (Restated) 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 665,738 – – – – – – 665,738 Total commitments and guarantees 665,738 – – – – – – 665,738 Kenanga Investment Bank Berhad 31 December 2017 202 notes to the financial statements