Bank Islam Integrated Annual Report 2020

2. CAPITAL ADEQUACY (CONTINUED) 2.4 Capital Adequacy Ratios (continued) (a) The capital adequacy ratios of the Group and of the Bank (continued): Group Bank After effect of IA 31.12.2020 31.12.2019 31.12.2020 31.12.2019 Before deducting proposed dividends CET 1 Capital Ratio 14.67% 14.21% 14.64% 14.19% Tier 1 Capital Ratio 14.67% 14.21% 14.64% 14.19% Total Capital Ratio 19.82% 18.66% 19.80% 18.64% After deducting proposed dividends CET 1 Capital Ratio 14.34% 13.83% 14.31% 13.80% Tier 1 Capital Ratio 14.34% 13.83% 14.31% 13.80% Total Capital Ratio 19.49% 18.27% 19.47% 18.25% (b) CET I, Tier I and Tier II capital components of the Group and of the Bank: 31.12.2020 Group Bank RM’000 RM’000 Tier I Capital Paid-up share capital 3,306,118 3,306,118 Share Premium – – Retained earnings 2,891,023 2,884,760 Other reserves 88,558 88,707 Less: Deferred tax assets (1,511) – Less: 55% of fair value (103,564) (103,564) Less: Regulatory reserve attributable to financing – – Less: Investment in subsidiaries – (15,525) Total Common Equity Tier I Capital 6,180,624 6,160,496 Total Additional Tier I Capital – – Total Tier I Capital 6,180,624 6,160,496 Subordinated Sukuk 1,700,000 1,700,000 Collective assessment allowance ^ 472,256 472,005 Total Tier II Capital 2,172,256 2,172,005 Total Capital 8,352,880 8,332,501 ^ 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. PILLAR 3 DISCLOSURE as at 31 December 2020 322 Financ ial Statement s Accountabi l i t y Addi t ional Informat ion