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Our Performance Sustainability Statement Governance Our Numbers Other Information

50. CAPITAL ADEquACy (CONT’D.)
The capital adequacy ratios of the Bank are computed in accordance with BNM’s Capital Adequacy Framework for Islamic
Banks (Capital Components) and Capital Adequacy Framework for Islamic Banks (Risk Weighted Assets) issued on 4 August
2017 and 2 March 2017, respectively. The Group and Bank have adopted the Standardised Approach for credit risk and market
risk, and the Basic Indicator Approach for operational risk. The minimum regulatory capital adequacy requirement for Islamic
Bank Common Equity Tier I capital, Tier I capital, and Total Capital are 4.5%, 6.0% and 8.0% of total RWA, respectively, for the
current period (March 2019: 4.5%, 6.0% and 8.0% of total RWA).
(b) Credit risk disclosure by risk weights of the Group as at 31 December, are as follows:

Group
31 December 2020 31 December 2019
Total Total
exposures exposures
after netting after netting
and credit Total risk and credit Total risk
risk weighted risk weighted
mitigation assets mitigation assets
rM’000 rM’000 rM’000 rM’000

0% 6,524,558 - 5,902,452 -
20% 1,910,642 382,128 1,818,548 363,710
35% 3,732,543 1,306,390 3,110,625 1,088,719
50% 1,310,235 655,118 1,195,617 597,808
75% 2,941,178 2,205,884 3,175,251 2,381,439
100% 10,511,929 10,511,929 8,592,299 8,592,299
150% 13,193 19,789 43,596 65,394

risk weighted assets for credit risk 26,944,278 15,081,238 23,838,388 13,089,369
risk weighted assets for market risk 22,546 35,361
risk weighted assets for operational risk 1,259,314 1,218,544

Total risk weighted assets 16,363,098 14,343,274