2. CAPITAL ADEQUACY (CONTINUED) 2.4 Capital Adequacy Ratios (continued) (a) The capital adequacy ratios of the Group and of the Bank (continued): After effect of IA Group Bank 31.12.2024 31.12.2023 31.12.2024 31.12.2023 Before deducting proposed dividends CET 1 Capital Ratio 13.85% 14.12% 13.44% 13.53% Tier 1 Capital Ratio 15.33% 15.13% 14.93% 14.55% Total Capital Ratio 20.00% 19.89% 19.63% 19.35% After deducting proposed dividends CET 1 Capital Ratio 13.33% 13.61% 12.91% 13.01% Tier 1 Capital Ratio 14.81% 14.62% 14.40% 14.03% Total Capital Ratio 19.48% 19.38% 19.10% 18.83% (b) CET I, Tier I and Tier II capital components of the Group and of the Bank: 31.12.2024 Group RM’000 Bank RM’000 Tier I Capital Paid-up share capital 3,888,725 3,888,725 Share Premium – – Retained earnings 3,309,036 3,400,459 Other reserves 458,321 346,944 Less: Deferred tax assets (167,618) (166,999) Less: 55% of fair value (5,163) (5,163) Less: Regulatory reserve attributable to financing (341,100) (341,100) Less: Investment in subsidiaries – (253,001) Less: Investment in associates (54,610) (41,799) Less: Intangible Assets (52,236) (52,236) Total Common Equity Tier I Capital 7,035,355 6,775,830 Total Additional Tier I Capital 750,000 750,000 Total Tier I Capital 7,785,355 7,525,830 Subordinated Sukuk 1,800,000 1,800,000 Collective assessment allowance^ 573,069 569,367 Total Tier II Capital 2,373,069 2,369,367 Total Capital 10,158,424 9,895,197 ^ Collective assessment allowance on non-impaired financing and regulatory reserve, subject to maximum of 1.25% of total credit risk-weighted assets after deducting IA as Risk Absorbent. Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 436 Pillar 3 Disclosure as at 31 December 2024
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