305 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2022 KENANGA INVESTMENT BANK BERHAD Annual Report 2022 50. FINANCIAL RISK MANAGEMENT (CONT’D.) (b) Market risk (cont’d.) (i) Interest rate risk (cont’d.) Bank (cont’d.) 2021 (cont’d.) Up to 1 month RM’000 >1-3 months RM’000 >3-12 months RM’000 >1-5 years RM’000 Over 5 years RM’000 Non interest sensitive RM’000 Trading book RM’000 Total RM’000 Effective interest rate % Liabilities Deposits from customers 1,715,418 701,132 734,050 100,000 - - - 3,250,600 1.89 Deposits and placement of banks and other financial institutions 369,958 242,904 40,000 - - - - 652,862 1.89 Borrowings 19,200 - - - 185,500 - - 204,700 4.54 Derivative financial liabilities - - - - - 28,760 - 28,760 Balances due to clients and brokers - - - - - 265,296 - 265,296 Other liabilities- structured product 3,168 - - - - - - 3,168 21.45 Other non interest sensitive balances - - - - - 422,938 - 422,938 Total liabilities 2,107,744 944,036 774,050 100,000 185,500 716,994 - 4,828,324 Equity - - - - - 1,041,350 - 1,041,350 Total liabilities and shareholders’ equity 2,107,744 944,036 774,050 100,000 185,500 1,758,344 - 5,869,674 On-balance sheet interest sensitivity gap 1,121,886 (876,552) (604,778) 255,144 43,422 (325,489) 386,367 - Cumulative interest sensitivity gap 1,121,886 245,334 (359,444) (104,300) (60,878) (386,367) - -
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