MINIMUM REGULATORY CAPITAL REQUIREMENTS The Group’s main activity is Islamic banking business which focuses on retail banking and financing operations. The following tables show the minimum regulatory capital requirement to support the Group’s and the Bank’s risk weighted assets. Group 31.12.2024 31.12.2023 RiskWeighted Assets RM’000 Minimum Capital Requirement At 8% RM’000 RiskWeighted Assets RM’000 Minimum Capital Requirement At 8% RM’000 Credit Risk 59,226,324 4,738,106 56,803,773 4,544,302 Less: Credit Risk absorbed by IA (13,380,841) (1,070,467) (11,803,750) (944,300) Market Risk 529,623 42,370 392,042 31,363 Operational Risk 4,425,174 354,014 4,225,384 338,031 Total 50,800,281 4,064,023 49,617,449 3,969,396 Bank 31.12.2024 31.12.2023 RiskWeighted Assets RM’000 Minimum Capital Requirement At 8% RM’000 RiskWeighted Assets RM’000 Minimum Capital Requirement At 8% RM’000 Credit Risk 58,932,476 4,714,598 56,390,695 4,511,256 Less: Credit Risk absorbed by IA (13,383,097) (1,070,648) (11,817,298) (945,384) Market Risk 529,623 42,370 392,042 31,363 Operational Risk 4,326,495 346,120 4,150,406 332,032 Total 50,405,497 4,032,440 49,115,845 3,929,267 The Group does 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 BNM’s CAFIB (Risk-Weighted Assets) Guideline. 1. SCOPE OF APPLICATION The Pillar 3 Disclosure is prepared on a consolidated basis and comprises inform on the Bank (including the offshore banking operations in the Federal Territory of Labuan) and its subsidiaries. There are no significant restrictions or impediments on the transfer of funds or regulatory capital within the Group. There were no capital deficiencies in any of the subsidiary companies of the Group as at the financial year end. 429 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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