195 How We Are Governed Financial Statements Shareholders’ Information Additional Information 7. FINANCIAL INVESTMENTS OTHER THAN THOSE MEASURED AT FVTPL (CONT’D.) (b) Financial instruments at amortised cost: Group and Bank 2021 RM’000 2020 RM’000 Debt instruments: Malaysian Government Investment Certificates 39,912 9,909 Corporate Bonds 20,012 20,021 Islamic Corporate Sukuk 153,785 163,210 213,709 193,140 Less: Allowance for ECL (49) (105) Total financial instruments at amortised cost 213,660 193,035 Debt instruments measured at amortised cost The table below shows 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 impairment allowances. Details of the Group’s and the Bank’s internal grading system are explained in Note 50(a). Group and Bank Internal rating grade 2021 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 Investment grade 213,709 - - 213,709 Group and Bank Internal rating grade 2020 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 Investment grade 193,140 - - 193,140
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