Page 343 - Bank-Muamalat-Annual-Report-2021

ANNUAL REPORT 2021 341
SUSTAINABILITY STATEMENT OUR GOVERNANCE OUR NUMBERS OTHER INFORMATION

50. cAPITAL ADeQuAcy (cONT’D.)

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

computation of total risk-weighted assets (“RwA”)
Total credit RWA 17,549,202 15,063,327
Less: Credit risk absorbed by profit-sharing
investment account (“PSIA”) (98,453) -
Total market RWA 16,225 22,546
Total operational RWA 1,302,128 1,250,046
Total RWA 18,769,102 16,335,919

computation of capital ratios
Tier-I capital
Share capital 1,195,000 1,195,000
Retained profits 1,554,572 1,384,855
Other Reserves
Regulatory reserve 28,079 45,411
FVOCI reserve (40,014) 18,240
Foreign exchange translation reserve 650 (968)
Regulatory Adjustment
Deferred tax assets (58,170) (39,070)
Investment property gain (8,171) (7,496)
Regulatory reserve (28,079) (45,411)
FVOCI reserve - (10,032)
Investment in subsidiaries (13,159) (13,159)
Cumulative gains of financing measured at FVTPL (19,354) -
Intangible asset (net of deferred tax liabilities) (60,701) (14,080)

Total common equity Tier-I capital 2,550,653 2,513,290

Total Tier-I capital 2,550,653 2,513,290

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 3,235,320 2,917,322

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