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 309 308 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (a) Credit risk (cont’d.) (iii) Credit risk exposure for each internal credit risk rating Internal credit rating Group Total 2024 RM'000 Bank Total 2024 RM'000 Strong AAA 4,278,206 3,353,878 AA 543,274 545,475 Satisfactory A 978,665 1,022,885 BBB 368,645 368,485 Substandard BB 143,715 129,801 B 20,321 20,321 C 536 536 Default D 174,492 167,667 Non-rated 56,790 56,284 6,564,644 5,665,332 Internal credit rating Group Total 2023 RM'000 Bank Total 2023 RM'000 Strong AAA 3,670,252 3,155,498 AA 438,469 433,447 Satisfactory A 861,608 886,463 BBB 303,240 315,533 Substandard BB 122,679 120,668 Default D 94,775 88,018 Non-rated 88,107 87,934 5,579,130 5,087,561 51. FINANCIAL RISK MANAGEMENT (CONT’D.) (a) Credit risk (cont’d.) (iv) Ageing analysis of financial assets which are past due but not impaired Less than 1 month RM'000 1 to 12 months RM'000 >12 months RM'000 Total RM'000 Group and Bank 2024 Share margin financing - 8,498 - 8,498 Corporate loans 13,247 - - 13,247 Other assets - - 3,005 3,005 Total 13,247 8,498 3,005 24,750 2023 Share margin financing - - 63 63 Corporate loans 13,008 25,174 - 38,182 Other assets - 3,005 75 3,080 Total 13,008 28,179 138 41,325 (v) Estimated value of collateral and other charges related to financial assets that are past due and individually impaired Cash and securities RM'000 Real estate RM'000 Other RM'000 Total value of collateral RM'000 Credit exposure RM'000 Unsecured portion of credit exposure RM'000 Group 2024 Loans, advances and financing Share margin financing 32,191 761 - 32,952 38,644 5,692 Balances due from clients and brokers 20,703 15,862 - 36,565 70,727 34,162 Other assets - - 9,183 9,183 84,998 75,815 52,894 16,623 9,183 78,700 194,369 115,669 2023 Loans, advances and financing Share margin financing 13,447 8,268 - 21,715 25,011 3,296 Balances due from clients and brokers 11,508 - - 11,508 14,852 3,344 Other assets - - 22,831 22,831 58,425 35,594 24,955 8,268 22,831 56,054 98,288 42,234
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