199 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2022 KENANGA INVESTMENT BANK BERHAD Annual Report 2022 9. LOANS, ADVANCES AND FINANCING (CONT’D.) 9.1 Movements in impaired loans, advances and financing (“Impaired LAF”) (cont’d.) Group Bank 2022 RM’000 2021 RM’000 2022 RM’000 2021 RM’000 9.1.1 Impaired LAF by geographical distribution Outside Malaysia 541 2,556 541 2,556 Malaysia 42,638 70,585 29,805 62,144 Gross impaired LAF 43,179 73,141 30,346 64,700 9.1.2 Impaired LAF by purpose Working capital 5,630 664 - - Purchase of securities 30,346 64,700 30,346 64,700 Others 7,203 7,777 - - 43,179 73,141 30,346 64,700 9.2 Impairment allowance for loans, advances and financing are as follows: (a) Term loans/financing and subordinated term loan The tables below show 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 ECL allowances. Details of the Group’s and of the Bank’s internal rating system are explained in Note 50(a). Group Internal rating grade 2022 Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 Performing: - Satisfactory 374,906 - - 374,906 - Substandard 62,613 63,386 - 125,999 Total 437,519 63,386 - 500,905 2021 Group Internal rating grade Stage 1 RM’000 Stage 2 RM’000 Stage 3 RM’000 Total RM’000 Performing: - Satisfactory 408,006 - - 408,006 - Substandard 67,998 63,073 - 131,071 Total 476,004 63,073 - 539,077
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