Page 342 - Bank-Muamalat-Annual-Report-2021

340 bank MuaMalat Malaysia berhaD
ABOUT US OUR LEADERSHIP OUR STRATEGY OUR PERFORMANCE

NOTES TO THE FINANCIAL STATEMENTS
31 DECEMbEr 2021 (26 JAMADIL AwAL 1443H)

50. cAPITAL ADeQuAcy (cONT’D.)

(a) The core capital ratios and risk-weighted capital ratios of the Group are as follows: (cont’d.)
Group
2021 2020
rM’000 rM’000

computation of capital ratios
Tier-I capital
Share capital 1,195,000 1,195,000
Retained profits 1,569,073 1,392,969

Other Reserves
Regulatory reserve 28,079 45,411
FVOCI reserve (40,014) 18,240
Foreign exchange translation reserve 649 (968)

Less: Regulatory Adjustment
Deferred tax assets (58,170) (39,422)
Investment property gain (8,171) (7,496)
Regulatory reserve (28,079) (45,411)
FVOCI reserve - (10,032)
Cumulative gains of financing measured at FVTPL (19,354) -
Intangible asset (net of deferred tax liabilities) (61,002) (14,293)

Total common equity Tier-I capital 2,578,011 2,533,998

Total Tier-I capital 2,578,011 2,533,998

Tier-II capital
Subordinated sukuk 500,000 250,000
Loss provision and regulatory reserve* 180,990 150,659
Add: Investment property gain 3,677 3,373
Total Tier-II capital 684,667 404,032

Total capital Base 3,262,678 2,938,030

Ratio (%)
CET 1 Capital 13.708% 15.486%
Tier 1 Capital 13.708% 15.486%
Total Capital 17.349% 17.955%

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