Page 339 - Bank-Muamalat-AR2020

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Our Performance Sustainability Statement Governance Our Numbers Other Information

50. CAPITAL ADEquACy
(a) The core capital ratios and risk-weighted capital ratios of the Group are as follows:
Group
31 December 31 December
2020 2019
rM’000 rM’000

Computation of total risk-weighted assets (“rwA”)
Total credit RWA 15,081,238 13,089,369
Total market RWA 22,546 35,361
Total operational RWA 1,259,314 1,218,544

Total RWA 16,363,098 14,343,274

Computation of capital ratios
Tier-I capital
Share capital 1,195,000 1,195,000
Retained profits 1,392,969 1,193,264
Other reserves
Regulatory reserve 45,411 62,676
FVOCI reserve 18,240 18,008
Foreign exchange translation reserve (968) (133)
Less: regulatory Adjustment
Deferred tax assets (39,422) (25,827)
Investment property gain (7,496) (5,542)
Regulatory reserve (45,411) (62,676)
FVOCI reserve (10,032) (9,905)
Intangible asset (net of deferred tax liabilities) (14,293) (70,244)
Total Common Equity Tier-I Capital 2,533,998 2,294,621

Total Tier-I Capital 2,533,998 2,294,621

Tier-II capital
Subordinated sukuk 250,000 250,532
Loss provision and regulatory reserve* 150,659 127,785
Add: Investment property gain 3,373 2,494
Total Tier-II Capital 404,032 380,811

Total Capital Base 2,938,030 2,675,432

ratio (%)
CET 1 Capital 15.486% 15.998%
Tier 1 Capital 15.486% 15.998%
Total Capital 17.955% 18.653%

* Tier 2 Capital for 2019 comprise collective allowance on non-impaired financing customers and regulatory reserve.