KENANGA INVESTMENT BANK BERHAD INTEGRATED ANNUAL REPORT 2024 WE ARE KENANGA OUR SUSTAINABILITY APPROACH LEADERSHIP STATEMENT HOW WE ARE GOVERNED SHAREHOLDERS’ INFORMATION NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2024 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2024 FINANCIAL STATEMENTS ADDITIONAL INFORMATION OUR VALUE CREATION APPROACH 209 208 9. LOANS, ADVANCES AND FINANCING (CONT’D.) (i) Gross loans, advances and financing analysed by type of customer are as follows: Group Bank 2024 RM’000 2023 RM’000 2024 RM’000 2023 RM’000 Domestic business enterprises - Small and medium enterprises 208,829 195,811 194,310 188,041 - Others 496,095 492,366 541,236 517,405 Domestic non-banking financial institution - - 13,029 13,029 Individuals 1,126,173 1,019,401 1,109,318 1,014,970 1,831,097 1,707,578 1,857,893 1,733,445 (ii) Gross loans, advances and financing analysed by geographical distribution are as follows: Group Bank 2024 RM’000 2023 RM’000 2024 RM’000 2023 RM’000 In Malaysia 1,827,771 1,704,115 1,854,567 1,729,982 Outside Malaysia 3,326 3,463 3,326 3,463 1,831,097 1,707,578 1,857,893 1,733,445 (iii) Gross loans, advances and financing analysed by interest rate/profit rate sensitivity are as follows: Group Bank 2024 RM’000 2023 RM’000 2024 RM’000 2023 RM’000 Fixed rate - Other fixed rate loans 1,179,944 1,146,435 1,148,571 1,134,235 Variable rate - Other variable rates 651,153 561,143 709,322 599,210 1,831,097 1,707,578 1,857,893 1,733,445 9. LOANS, ADVANCES AND FINANCING (CONT’D.) (iv) Gross loans, advances and financing analysed by economic purpose are as follows: Group Bank 2024 RM’000 2023 RM’000 2024 RM’000 2023 RM’000 Purchase of securities 1,346,448 1,382,070 1,346,448 1,382,070 Working capital 121,916 108,716 178,073 139,014 Others 362,733 216,792 333,372 212,361 1,831,097 1,707,578 1,857,893 1,733,445 (v) Gross loans, advances and financing analysed by residual contractual maturity are as follows: Group Bank 2024 RM’000 2023 RM’000 2024 RM’000 2023 RM’000 Within one year 1,479,606 1,478,996 1,473,852 1,486,858 More than one year 351,491 228,582 384,041 246,587 1,831,097 1,707,578 1,857,893 1,733,445 9.1 Movements in impaired loans, advances and financing (“Impaired LAF”) Group Bank 2024 RM’000 2023 RM’000 2024 RM’000 2023 RM’000 At beginning of the financial year 61,471 43,179 57,041 30,346 Impaired during the financial year 52,157 31,663 52,157 31,663 Disposal of a subsidiary - (484) - - Amount recovered during the financial year (15,213) (12,887) (15,048) (4,968) At end of the financial year 98,415 61,471 94,150 57,041 Less: Allowance for ECL (5,692) (3,296) (5,692) (3,296) Net impaired LAF 92,723 58,175 88,458 53,745 Net impaired LAF as a % of net loans, advances and financing 5.08% 3.42% 4.78% 3.11%
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