Page 340 - Bank-Muamalat-AR2020

338 BANK MUAMALAT MALAYSIA BERHAD About Us Our Leadership Our Strategy
ANNUAL REPORT FY2020

Notes to the fiNaNcial statemeNts
31 December 2020 (16 JamaDil awal 1442h)

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

Computation of total risk-weighted assets (“rwA”)
Total credit RWA 15,063,327 13,073,524
Total market RWA 22,546 35,361
Total operational RWA 1,250,046 1,206,121

Total RWA 16,335,919 14,315,006

Computation of capital ratios
Tier-I capital
Share capital 1,195,000 1,195,000
Retained profits 1,384,856 1,186,740
Other reserves
Regulatory reserve 45,411 62,676
FVOCI reserve 18,240 18,008
Foreign exchange translation reserve (968) (133)

regulatory Adjustment
Deferred tax assets (39,070) (25,543)
Investment property gain (7,496) (5,542)
Regulatory reserve (45,411) (62,676)
FVOCI reserve (10,032) (9,904)
Investment in subsidiaries (13,159) (13,159)
Intangible asset (net of deferred tax liabilities) (14,080) (70,134)
Total Common Equity Tier-I Capital 2,513,291 2,275,333

Total Tier-I Capital 2,513,291 2,275,333

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 2,917,323 2,656,144

ratio (%)
CET 1 Capital 15.385% 15.895%
Tier 1 Capital 15.385% 15.895%
Total Capital 17.858% 18.555%

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