BIMB Integrated Annual Report 2019

46 RELATED PARTY TRANSACTIONS (CONTINUED) (b) The significant outstanding balances of the Group and the Company with related parties, are as follows: (continued) Group Company Net Balance Net Balance Outstanding as at Outstanding as at 2019 2018 2019 2018 RM’000 RM’000 RM’000 RM’000 Co-operative society in which the employees have interest Amount due from Financing, advances and others 64,812 42,946 – – Amount due to Deposits from customers 817 3,000 – – Income payable to depositors 1 1 – – Significant other related companies of the Group are as below: Related parties Relationship Express Rail Link Sdn Bhd Associate company of holding company TH Plantation Group Subsidiary company of holding company TH Properties Group Subsidiary company of holding company 47 CAPITAL ADEQUACY Total capital and capital adequacy ratios of the Group have been computed based on Bank Negara Malaysia (“BNM”)’s Capital Adequacy Framework for Islamic Banks (Capital Components) and Capital Adequacy Framework for Islamic Banks (Risk-Weighted Assets) issued on 2 February 2018. The Group is required to meet minimum Common Equity Tier I (“CET I”), Tier I and Total Capital adequacy ratios of 7.0%, 8.5% and 10.5% respectively for year 2019. The Group has adopted the Standardised Approach for Credit Risk and Market Risk and the Basic Indicator Approach for Operational Risk. The capital adequacy ratios of the Group are set out below: Group 2019 2018 % % CET I and Tier I Capital Ratio 12.656 11.109 Total Capital Ratio 17.052 15.530 NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 266 Integrated Annual Report 2019 Group Overview Sustaining The Group Management Discussion & Analysis Group Governance