BIMB Integrated Annual Report 2019

48 FINANCIAL RISK MANAGEMENT POLICIES (CONTINUED) 48.3 Credit risk (continued) (v) Credit quality of investments’ portfolio (continued) Investments’ portfolio (excluding equity securities, unit trusts and investment units in closed end funds) of the Group by external party rating are as follows: Group Stage 1 Stage 3 Total As at 31 December 2019 RM’000 RM’000 RM’000 Financial assets at FVOCI Debt instrument Government bonds and treasury bills 8,231,269 – 8,231,269 Sukuk Rated AAA 4,613,249 – 4,613,249 Rated A1 to AA3 2,352,117 – 2,352,117 Rated A 117,623 – 117,623 Lower than A 29,856 22,060 51,916 Not rated 1,002,899 – 1,002,899 Other unrated financial assets 530,852 – 530,852 Gross carrying amount 16,877,865 22,060 16,899,925 Impairment allowances 265 – 265 Derivative financial assets Bank and financial institution counterparties 26,592 Corporate 6,734 33,326 Financial assets at FVTPL Government bonds and treasury bills 373,743 Sukuk Rated AAA 99,152 Rated A1 to AA3 4 Rated AA 26,671 Rated A 186,259 Not rated 123,793 Unit-linked 47,240 Structured deposits Rated AAA – Rated AA – 856,862 Retakaful assets Not rated 198,675 Other financial assets at amortised cost Other unrated financial assets 565,725 17,750 583,475 Impairment allowances – (17,750) (17,750) Net carrying amount 565,725 – 565,725 NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 281 BIMB HOLDINGS BERHAD 199701008362 (423858-X) Shareholders’ Information Financial Statements Additional Information Disclosure Summary