316 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.) (ii) Credit quality by class of financial assets (cont’d.) Group Neither past due nor impaired Strong credit profile Stage 1 RM’000 Satisfactory risk Stage 1 RM’000 Sub- standard Stage 1 RM’000 Non rated Stage 1 RM’000 Stage 2 RM’000 Default/ impaired Stage 3 RM’000 ECL on individually impaired RM’000 ECL on collectively impaired RM’000 Total RM’000 31 December 2024 Cash and bank balances 2,098,059 - - - - - - - 2,098,059 Statutory deposit with Bank Negara Malaysia 73,768 - - - - - - - 73,768 Financial assets at FVTPL Unquoted shares and funds in Malaysia 120,679 134,338 - - - - - - 255,017 Net loans, advances and financing Term loans 50,017 356,331 108,691 - 13,235 - - (750) 527,524 Islamic financing - 114,377 8,502 - - - - (803) 122,076 Share margin financing 303,566 721,041 20,898 - 8,498 94,152 (5,692) - 1,142,463 Islamic share margin financing - 334 82 - - - - - 416 Others - 13,194 13,914 - - 4,265 - - 31,373 Carried forward 2,646,089 1,339,615 152,087 - 21,733 98,417 (5,692) (1,553) 4,250,696
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