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 213 212 9. LOANS, ADVANCES AND FINANCING (CONT’D.) 9.2 Impairment allowance for loans, advances and financing are as follows (cont’d.): (a) Term loans/financing and subordinated term loan (cont’d.) An analysis of changes in the gross carrying amount and the corresponding ECL allowances in relation to term loans/ financing and subordinated term loan is as follows: Group Gross carrying amount 2024 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 522,961 38,182 - 561,143 New assets originated or purchased 291,889 2,242 - 294,131 Assets derecognised or repaid (excluding write-offs) (176,932) (27,189) - (204,121) As at 31 December 637,918 13,235 - 651,153 Group Gross carrying amount 2023 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 437,519 63,386 - 500,905 New assets originated or purchased 273,305 4,059 - 277,364 Assets derecognised or repaid (excluding write-offs) (187,863) (29,263) - (217,126) As at 31 December 522,961 38,182 - 561,143 9. LOANS, ADVANCES AND FINANCING (CONT’D.) 9.2 Impairment allowance for loans, advances and financing are as follows (cont’d.): (a) Term loans/financing and subordinated term loan (cont’d.) An analysis of changes in the gross carrying amount and the corresponding ECL allowances in relation to term loans/ financing and subordinated term loan is as follows (cont’d.): Bank Gross carrying amount 2024 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 561,028 38,182 - 599,210 New assets originated or purchased 314,934 2,242 - 317,176 Assets derecognised or repaid (excluding write-offs) (179,875) (27,189) - (207,064) As at 31 December 696,087 13,235 - 709,322 Bank Gross carrying amount 2023 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 As at 1 January 507,634 63,386 - 571,020 New assets originated or purchased 276,478 4,059 - 280,537 Assets derecognised or repaid (excluding write-offs) (223,084) (29,263) - (252,347) As at 31 December 561,028 38,182 - 599,210
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