222 KENANGA INVESTMENT BANK BERHAD INTEGRATED ANNUAL REPORT 2025 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2025 9. LOANS, ADVANCES AND FINANCING (CONT’D.) 9.1 Movements in impaired loans, advances and financing (“Impaired LAF”) (cont’d.) Group Bank 2025 RM’000 2024 RM’000 2025 RM’000 2024 RM’000 9.1.1 Impaired LAF by geographical distribution Malaysia 123,272 98,415 99,819 94,150 9.1.2 Impaired LAF by purpose Working capital 1,000 - 1,000 - Purchase of securities 98,819 94,150 98,819 94,150 Others 23,453 4,265 - - 123,272 98,415 99,819 94,150 9.2 Impairment allowance for loans, advances and financing are as follows: (a) Term loans/financing and subordinated term loan The tables below show 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 ECL allowances. Details of the Group’s and of the Bank’s internal rating system are explained in Note 51(a). Group Internal rating grade 2025 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 Performing: - Strong 85,281 - - 85,281 - Satisfactory 480,820 - - 480,820 - Substandard 91,618 - - 91,618 Non-performing: Default - - 13,000 13,000 Total 657,719 - 13,000 670,719
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