310 KENANGA INVESTMENT BANK BERHAD INTEGRATED ANNUAL REPORT 2025 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2025 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 - - - 121,050 - 100,000 247,712 Unquoted fund outside Malaysia - - - - - - 9,508 - - 9,508 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 financing - - - - 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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