318 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.) Bank 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 2025 Cash and bank balances 1,634,200 - - - - - - - 1,634,200 Statutory deposit with Bank Negara Malaysia 36,484 - - - - - - - 36,484 Financial assets at FVTPL Unquoted shares and funds in Malaysia 128,792 136,332 - - - - - - 265,124 Unquoted shares and funds outside Malaysia 8,788 - - - - - - - 8,788 Net loans, advances and financing Term loans 85,281 420,476 91,618 - - 13,000 (902) - 609,473 Islamic financing - 117,474 - - - - - (480) 116,994 Share margin financing 255,493 674,403 18,156 - 18,627 86,819 (15,474) - 1,038,024 Islamic share margin financing 803 132 - - - - - - 935 Financial investments at FVOCI Debt instruments: Malaysian Government Securities 165,842 - - - - - - - 165,842 Malaysian Government Investment Certificates 303,540 - - - - - - - 303,540 Islamic Corporate Sukuk 173,864 - - - - - - - 173,864 Corporate Bonds 30,633 - - - - - - - 30,633 Equity instrument: Unquoted equities - - - 1,382 - - - - 1,382 Financial investments at AC Debt instruments: Malaysian Government Securities 105,260 - - - - - - - 105,260 Malaysian Government Investment Certificates 250,382 - - - - - - - 250,382 Islamic Corporate Sukuk 76,125 23,000 - - - - - (347) 98,778 Derivative financial assets 60 72 - 11,032 - - - - 11,164 Balances due from clients and brokers 409,198 - - - 4,900 87,967 (20,004) (1,556) 480,505 Other assets, excluding prepayments and deposits 136,017 - - - 1,886 38,856 (32,884) (832) 143,043 Total 3,800,762 1,371,889 109,774 12,414 25,413 226,642 (69,264) (3,215) 5,474,415
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