46. CAPITAL ADEQUACY (CONTINUED) The breakdown of risk-weighted assets in the various categories of risk-weights are as follows: Group Bank 2024 RM’000 2023 RM’000 2024 RM’000 2023 RM’000 Credit risk 59,226,324 56,803,773 58,932,476 56,390,694 Less: Credit risk absorbed by unrestricted investment accounts (13,380,840) (11,803,750) (13,383,097) (11,817,298) 45,845,484 45,000,023 45,549,379 44,573,396 Market risk 529,623 392,042 529,623 392,042 Non-Financial Risk 4,425,174 4,225,384 4,326,495 4,150,406 50,800,281 49,617,449 50,405,497 49,115,844 47. RELATED PARTY TRANSACTIONS Identity of related parties For the purposes of these financial statements, parties are considered to be related to the Group if the Group has the ability, directly or indirectly, to control the party or exercise significant influence over the party in making financial and operating decisions, or vice versa, or where the Group and the party are subject to common control or common significant influence. Related parties may be individuals or other entities. Related parties that have material transactions and their relationship with the Group and the Bank are as follows: Parties Relationship Lembaga Tabung Haji Major shareholder Subsidiaries of Bank Islam Malaysia Berhad as disclosed in Note 13 Subsidiaries Associates of Bank Islam Malaysia Berhad as disclosed in Note 14 Associates Subsidiaries of Lembaga Tabung Haji Other related companies Koperasi Kakitangan Kumpulan BIMB Holdings Malaysia Berhad Co-operative society in which the employees have interest Related party transactions have been entered into in the normal course of business under normal trade terms. 423 w w w . b a n k i s l a m. c o m 01 02 03 04 05 06 07 08 FINANCIAL STATEMENTS 09
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