Page 383 - Bank-Muamalat_Annual-Report-2023
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ANNUAL REPORT 2023
OUR NUMBERS
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 2023 31 December 2022
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 22,739,787 1,819,183 19,511,734 1,560,939
Less: Credit risk absorbed by profit-sharing
investment account (“PSIA”) 126,607 - 159,800 -
Market Risk 77,388 6,191 23,153 1,852
Operational Risk 1,508,264 120,661 1,463,122 117,050
Total 24,198,832 1,946,035 20,838,209 1,679,841
31 December 2023 31 December 2022
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 22,729,923 1,818,394 19,492,654 1,559,412
Less: Credit risk absorbed by profit-sharing
investment account (“PSIA”) 126,607 - 159,800 -
Market Risk 77,388 6,191 23,153 1,852
Operational Risk 1,483,198 118,656 1,427,083 114,167
Total 24,163,902 1,943,241 20,783,090 1,675,431
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.
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