216 KENANGA INVESTMENT BANK BERHAD INTEGRATED ANNUAL REPORT 2025 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2025 7. FINANCIAL INVESTMENTS OTHER THAN THOSE MEASURED AT FVTPL (CONT’D.) (b) Financial instruments at amortised cost: Group and Bank 2025 RM’000 2024 RM’000 Debt instruments: Malaysian Government Securities 105,260 125,560 Malaysian Government Investment Certificates 250,382 260,201 Islamic Corporate Sukuk 99,125 136,411 454,767 522,172 Less: Allowance for ECL (347) (1,154) Total financial instruments at amortised cost 454,420 521,018 Debt instruments measured at amortised cost The table below shows the credit quality and the maximum exposure to credit risk based on the Group’s and the Bank’s internal credit rating system and year-end stage classification. The amounts presented are gross of impairment allowances. Details of the Group’s and of the Bank’s internal grading system are explained in Note 51(a). Group and Bank Internal rating grade 2025 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 Investment grade 454,767 - - 454,767 Group and Bank Internal rating grade 2024 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 Investment grade 522,172 - - 522,172
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