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 297 296 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (a) Credit risk (cont’d.) Industry analysis as at 31 December 2023 Group Primary agriculture RM'000 Manufacturing (incl. agribased) RM'000 Electricity, gas & water supply RM'000 Wholesale & retail trade, and hotel & restaurant RM'000 Real estate RM'000 Transport, storage and communications RM'000 Finance and insurance RM'000 Household RM'000 Others RM'000 Total RM’000 Financial assets Cash and bank balances - - - - - - 1,482,513 - - 1,482,513 Statutory deposit with Bank Negara Malaysia - - - - - - 60,620 - - 60,620 Balances due from clients and brokers - 5,150 - 6,725 3,868 - 257,504 278,257 19,211 570,715 Financial assets at FVTPL Unquoted shares and funds in Malaysia - - 26,662 - - - 44,541 - 99,627 170,830 Derivative financial assets - - - - 24,433 15 - 2,181 49,309 75,938 Net loans, advances and financing Term loans - - - 51,112 - 4,009 - 49,110 315,332 419,563 Islamic term loans - - - - 30,087 - - 54,070 54,103 138,260 Share margin financing 4,787 - - 24,767 29,991 - 955 907,436 162,169 1,130,105 Islamic share margin financing - - - - - - - 834 - 834 Others - - - 5,022 - 2,011 - 4,430 737 12,200 Financial investments at FVOCI Malaysian Government Securities - - - - - - 177,379 - - 177,379 Malaysian Government Investment Certificates - - - - - - 331,282 - - 331,282 Islamic Negotiable Instruments of Deposits - - - - - - 159,644 - - 159,644 Corporate Bonds - - 25,639 - - - - - 14,808 40,447 Islamic Corporate Sukuk - - 54,081 - 37,173 30,423 45,510 - - 167,187 Unquoted equities - - - - - - - - 1,343 1,343 Financial investments at AC Malaysian Government Securities - - - - - - 125,853 - - 125,853 Malaysian Government Investment Certificates - - - - - - 228,204 - - 228,204 Islamic Corporate Sukuk - - 5,000 - 14,997 9,245 87,497 - - 116,739 Other assets, excluding prepayments and deposits - - - - - - - - 169,474 169,474 4,787 5,150 111,382 87,626 140,549 45,703 3,001,502 1,296,318 886,113 5,579,130 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (a) Credit risk (cont’d.) Industry analysis as at 31 December 2024 Bank Primary agriculture RM'000 Manufacturing (incl. agribased) RM'000 Electricity, gas & water supply RM'000 Wholesale & retail trade, and hotel & restaurant RM'000 Real estate RM'000 Transport, storage and communications RM'000 Finance and insurance RM'000 Household RM'000 Others RM'000 Total RM’000 Financial assets Cash and bank balances - - - - - - 1,386,786 - - 1,386,786 Statutory deposit with Bank Negara Malaysia - - - - - - 73,768 - - 73,768 Balances due from clients and brokers 1,112 - - 2,535 5,301 15 210,206 226,682 8,986 454,837 Financial assets at FVTPL Unquoted shares and funds in Malaysia - - 26,662 - - - 130,558 - 100,000 257,220 Derivative financial assets - 59 - 2 - - 142 7,943 41,551 49,697 Net loans, advances and financing Term loans - - - 30,136 45,021 - 27,817 141,743 340,059 584,776 Islamic term loans - - - - 26,076 - - 48,986 47,014 122,076 Share margin financing 3,562 1,826 4,146 27,025 27,064 - 999 916,116 161,725 1,142,463 Islamic share margin financing - - - - - - - 416 - 416 Financial investments at FVOCI Malaysian Government Securities - - - - - - 291,869 - - 291,869 Malaysian Government Investment Certificates - - - - - - 402,651 - - 402,651 Corporate Bonds - - 15,532 - - - 5,036 - 14,826 35,394 Islamic Corporate Sukuk - - 34,775 - 51,824 15,209 35,430 - - 137,238 Unquoted equities - - - - - - - - 1,421 1,421 Financial investments at AC Malaysian Government Securities - - - - - - 125,560 - - 125,560 Malaysian Government Investment Certificates - - - - - - 260,201 - - 260,201 Islamic Corporate Sukuk - - 5,000 - 14,996 9,300 67,115 - 38,846 135,257 Other assets, excluding prepayments and deposits - - - - - - 17,948 - 185,754 203,702 4,674 1,885 86,115 59,698 170,282 24,524 3,036,086 1,341,886 940,182 5,665,332
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