2. CAPITAL ADEQUACY (CONTINUED) 2.4 Capital Adequacy Ratios (continued) (c) The breakdown of risk-weighted assets by exposures in each major risk category is as follows: (i) Group 31 December 2024 Exposure Class Gross Exposure RM’000 Net Exposure RM’000 RiskWeighted Asset RM’000 Minimum Capital Requirement At 8% RM’000 Credit Risk On-Balance Sheet Exposures Sovereign/Central Banks 11,320,058 11,320,058 – – Public Sector Entities 3,834,112 3,784,789 652,917 52,233 Banks, Developments Financial Institutions (DFIs) and Multilateral Development Banks (MDBs) 284,555 284,555 56,911 4,553 Corporate 20,681,634 20,368,523 9,776,818 782,145 Regulatory Retail 39,620,970 39,283,718 37,960,141 3,036,811 Residential Mortgages 14,527,893 14,523,772 5,964,847 477,188 Higher Risk Assets – – – – Other Assets 3,353,667 3,353,667 1,355,271 108,422 Defaulted Exposures 1,669,649 1,592,489 1,528,869 122,310 Total for On-Balance Sheet Exposures 95,292,539 94,511,572 57,295,773 4,583,662 Off-Balance Sheet Exposures Credit-related Exposures 1,874,775 1,870,489 1,642,222 131,378 Derivative Financial Instruments 220,810 220,810 133,953 10,716 Defaulted Exposures 107,168 107,168 154,377 12,350 Total for Off-Balance Sheet Exposures 2,202,753 2,198,466 1,930,552 154,444 Total On and Off-Balance Sheet Exposures 97,495,292 96,710,038 59,226,325 4,738,106 Less: Credit Risk absorbed by IA (13,380,841) (1,070,467) Long Position Short Position Market Risk Benchmark Rate Risk 10,969,751 (9,312,272) 1,657,478 500,379 40,030 Foreign Exchange Risk 29,245 – 29,245 29,245 2,340 Inventory Risk Total Market Risk 10,998,995 (9,312,272) 1,686,723 529,623 42,370 Operational Risk 4,425,174 354,014 Total RWA and Capital Requirements 50,800,281 4,064,022 Note: As at 31 December 2024, the Group did not have any exposures under securitisation. Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 438 Pillar 3 Disclosure as at 31 December 2024
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