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 Bank’s assets and liabilities as at 31 December 2016. The contractual maturity profile often may not reflect the actual behavioural patterns. Bank 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 79,644 869,717 – – – – 60 949,421 Financial assets at fair value through profit or loss – 24,968 84,640 – 45,035 15,735 211,210 381,588 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 1,509,524 23,517 – 46,381 393,905 – 2,065,887 Balance due from clients and brokers – 445,005 – – – – – 445,005 Other assets 259 4,887 48,350 – – – 21,413 74,909 Others – – – – – – 735,377 735,377 Total assets 172,463 3,054,072 158,507 – 199,125 1,116,291 968,550 5,669,008 Liabilities Deposits from customers – 1,974,075 910,635 220,320 250,547 – – 3,355,577 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 Balance due to clients and brokers – 474,231 – – – – – 474,231 Borrowings – – 42,800 2,800 5,600 64,000 – 115,200 Other liabilities balances 491 83,284 5,190 607 7,481 – 98,828 195,881 Total liabilities 491 3,031,484 1,044,642 224,867 302,190 64,000 98,828 4,766,502 Net maturity mismatch 171,972 22,588 (886,135) (224,867) (103,065) 1,052,291 869,722 902,506 The table below shows the contractual expiry by maturity of the Bank’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 204 notes to the financial statements