289 How We Are Governed Financial Statements Shareholders’ Information Additional Information 50. 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 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 Strong credit profile Stage 1 RM’000 Satisfactory risk Stage 1 RM’000 Sub- standard* Stage 1 RM’000 31 December 2021 Cash and bank balances 1,897,384 - - - - - - - 1,897,384 Statutory deposit with Bank Negara Malaysia 50,868 - - - - - - - 50,868 Financial assets at FVTPL Islamic Corporate Sukuk 23,873 - - - - - - - 23,873 Unquoted shares and unit trust funds in Malaysia 156,508 - - - - - - - 156,508 Net loans, advances and financing Term loans - 342,698 43,190 - 63,073 - - (2,405) 446,556 Islamic term loans - 65,309 24,807 - - - - (531) 89,585 Share margin financing 439,292 556,908 53,912 42,553 63 64,700 (13,789) - 1,143,639 Islamic share margin financing 16 13,051 404 - - - - - 13,471 Others 56,675 12,387 - 97 5,239 8,441 (664) (13) 82,162 Financial investments at FVOCI Debt instruments: Malaysian Government Securities 40,042 - - - - - - - 40,042 Malaysian Government Investment Certificates 91,934 - - - - - - - 91,934 Islamic Corporate Sukuk 275,452 - - - - - - - 275,452 Corporate bonds 128,962 - - - - - - - 128,962 Islamic Negotiable Instruments of Deposits 199,724 - - - - - - - 199,724 Equity instrument: Unquoted equities - - - 1,460 - - - - 1,460 Financial investments at AC Corporate Bonds 20,012 - - - - - - - 20,012 Malaysian Government Investment Certificates 39,912 - - - - - - - 39,912 Islamic Corporate Sukuk 147,285 6,451 - - - - - - 153,736 Derivative financial assets - - - 81,453 - - - - 81,453 Balances due from clients and brokers 305,235 - - - 14,333 17,708 (1,276) (1,535) 334,465 Other assets, excluding prepayments and deposits 214,654 - - - 1,872 7,349 (4,999) (223) 218,653 Total 4,087,828 996,804 122,313 125,563 84,580 98,198 (20,728) (4,707) 5,489,851
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