220 KENANGA INVESTMENT BANK BERHAD INTEGRATED ANNUAL REPORT 2025 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2025 9. LOANS, ADVANCES AND FINANCING (CONT’D.) (i) Gross loans, advances and financing analysed by type of customer are as follows: Group Bank 2025 RM’000 2024 RM’000 2025 RM’000 2024 RM’000 Domestic business enterprises - Small and medium enterprises 246,212 208,829 231,370 194,310 - Others 493,668 496,095 533,750 541,236 Domestic non-banking financial institution - - 17,048 13,029 Individuals 1,027,136 1,126,173 1,000,114 1,109,318 1,767,016 1,831,097 1,782,282 1,857,893 (ii) Gross loans, advances and financing analysed by geographical distribution are as follows: Group Bank 2025 RM’000 2024 RM’000 2025 RM’000 2024 RM’000 In Malaysia 1,764,982 1,827,771 1,780,248 1,854,567 Outside Malaysia 2,034 3,326 2,034 3,326 1,767,016 1,831,097 1,782,282 1,857,893 (iii) Gross loans, advances and financing analysed by interest rate/profit rate sensitivity are as follows: Group Bank 2025 RM’000 2024 RM’000 2025 RM’000 2024 RM’000 Fixed rate 1,096,297 1,179,944 1,054,433 1,148,571 Variable rate 670,719 651,153 727,849 709,322 1,767,016 1,831,097 1,782,282 1,857,893
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