NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2023 291 OUR SUSTAINABILITY APPROACH HOW WE ARE GOVERNED FINANCIAL STATEMENTS SHAREHOLDERS’ INFORMATION ADDITIONAL INFORMATION 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (a) Credit risk (cont’d.) (ii) Credit quality by class of financial assets (cont’d.) Group Neither past due nor impaired Non rated Stage 1 RM’000 Stage 2 RM’000 Default/ impaired Stage 3 RM’000 ECL on individually impaired RM’000 ECL on collectively impaired RM’000 Total RM’000 Strong credit profile Stage 1 RM’000 Satisfactory risk Stage 1 RM’000 Sub- standard Stage 1 RM’000 31 December 2023 Cash and bank balances 1,482,513 - - - - - - - 1,482,513 Statutory deposit with Bank Negara Malaysia 60,620 - - - - - - - 60,620 Financial assets at FVTPL Unquoted shares and funds in Malaysia 170,830 - - - - - - - 170,830 Net loans, advances and financing Term loans - 314,261 69,861 - 38,182 - - (2,741) 419,563 Islamic term loans - 123,830 15,009 - - - - (579) 138,260 Share margin financing 349,511 726,429 357 - 63 57,041 (3,296) - 1,130,105 Islamic share margin financing 676 158 - - - - - - 834 Others 5,022 - 2,011 - 737 4,430 - - 12,200 Carried forward 2,069,172 1,164,678 87,238 - 38,982 61,471 (3,296) (3,320) 3,414,925
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