BIMB Integrated Annual Report 2019

47 CAPITAL ADEQUACY (CONTINUED) 47.1 Takaful Malaysia (continued) The capital structure of Takaful Malaysia as at 31 December 2019 as prescribed under the RBCT Framework is provided below: 2019 2018 RM’000 RM’000 Tier 1 capital 1,519,250 1,399,577 Tier 2 capital 162,531 33,297 Amount deducted from capital (203,564) (231,762) Total capital available 1,478,217 1,201,112 48 FINANCIAL RISK MANAGEMENT POLICIES 48.1 Categories of financial instruments The tables below provide an analysis of financial instruments categorised as follows: • Fair value through profit or loss (“FVTPL”) • Fair value through other comprehensive income (“FVOCI”) • Amortised cost Carrying Amortised Group amount FVTPL FVOCI cost 31 December 2019 RM’000 RM’000 RM’000 RM’000 Financial assets Cash, balances and placements with Banks 5,916,059 – – 5,916,059 Financial assets at FVTPL 1,494,495 1,494,495 – – Derivative financial assets 33,326 33,326 – – Financial assets at FVOCI 16,946,884 – 16,946,884 – Financing, advances and others 49,472,522 – – 49,472,522 Other financial assets at amortised cost (net of prepayment) 565,725 – – 565,725 Statutory deposits with Bank Negara Malaysia 1,170,136 – – 1,170,136 75,599,147 1,527,821 16,946,884 57,124,442 Financial liabilities Deposits from customers (46,752,714) – – (46,752,714) Investment accounts of customers (9,797,543) – – (9,797,543) Derivative financial liabilities (36,746) (36,746) – – Bills and acceptances payable (49,084) – – (49,084) Recourse obligations on financing sold to Cagamas (1,501,187) – – (1,501,187) Other liabilities (1,689,741) – – (1,689,741) Sukuk liabilities (2,139,666) – – (2,139,666) (61,966,681) (36,746) – (61,929,935) NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 268 Integrated Annual Report 2019 Group Overview Sustaining The Group Management Discussion & Analysis Group Governance