Page 361 - Bank-Muamalat-Annual-Report-2021

ANNUAL REPORT 2021 359
SUSTAINABILITY STATEMENT OUR GOVERNANCE OUR NUMBERS OTHER INFORMATION

2.1 InTernAl cAPITAl ADequAcy AssessMenT Process (“IcAAP”) (conT’D)

The following tables present the minimum regulatory capital requirement to support the Group’s and the Bank’s
risk-weighted assets:

Table 3: Minimum capital requirement and risk-weighted assets
31 December 2021 31 December 2020
Minimum Minimum
risk capital risk capital
weighted requirement weighted requirement
Assets at 8% Assets at 8%
rM’000 rM’000 rM’000 rM’000

group
Credit Risk 17,566,888 1,405,351 15,081,238 1,206,499
Less: Credit risk absorbed by profit-sharing
investment account (“PSIA”) 98,453 - - -
Market Risk 16,225 1,298 22,546 1,804
Operational Risk 1,321,435 105,715 1,259,314 100,745

Total 18,806,095 1,512,364 16,363,098 1,309,048

31 December 2021 31 December 2020
Minimum Minimum
risk capital risk capital
weighted requirement weighted requirement
Assets at 8% Assets at 8%
rM’000 rM’000 rM’000 rM’000

Bank
Credit Risk 17,549,202 1,403,936 15,063,327 1,205,066
Less: Credit risk absorbed by profit-sharing
investment account (“PSIA”) 98,453 - - -
Market Risk 16,225 1,298 22,546 1,803
Operational Risk 1,302,128 104,170 1,250,046 100,004
Total 18,769,102 1,509,404 16,335,919 1,306,873

The Group and the Bank do not have any capital requirement for Large Exposure Risk as there is no amount in excess
of the lowest threshold arising from equity holdings as specified in the BNM’s RWCAF.