43. CAPITAL ADEQUACY (CONTINUED) The capital adequacy ratios of the Group and the Bank are set out below: Group Bank 2021 2020 2021 2020 Common Equity Tier I (“CET I”) Capital Ratio 13.179% 14.667% 12.799% 14.642% Total Capital Ratio 18.561% 19.822% 18.203% 19.804% The components of CET I, Tier I and Tier II capital: Group Bank 2021 RM’000 2020 RM’000 2021 RM’000 2020 RM’000 Paid-up share capital 3,445,757 3,306,118 3,445,757 3,306,118 Retained earnings 2,965,080 2,797,307 2,965,659 2,791,044 Other reserves (10,899) 182,274 (121,843) 182,423 Less: Deferred tax assets (193,214) (1,511) (191,773) – Gain on financial instruments classified as FVOCI – (103,564) – (103,564) Investment in subsidiaries – – (100,905) (15,525) Total CET I and Tier I Capital 6,206,724 6,180,624 5,996,895 6,160,496 Sukuk Murabahah 2,000,000 1,700,000 2,000,000 1,700,000 Loss provisions ^ 534,465 472,256 532,094 472,005 Total Tier II Capital 2,534,465 2,172,256 2,532,094 2,172,005 Total Capital 8,741,189 8,352,880 8,528,989 8,332,501 ^ Impairment allowances on non-impaired financing and regulatory reserve, subject to maximum of 1.25% of total credit risk-weighted assets less credit absorbed by unrestricted investment accounts. The breakdown of risk-weighted assets in the various categories of risk-weights are as follows: Group Bank 2021 RM’000 2020 RM’000 2021 RM’000 2020 RM’000 Credit risk 50,180,739 46,862,577 50,080,971 46,842,825 Less: Credit risk absorbed by unrestricted investment accounts (7,423,579) (9,082,114) (7,513,437) (9,082,416) 42,757,160 37,780,463 42,567,534 37,760,409 Market risk 489,559 638,925 489,559 638,925 Operational risk 3,847,886 3,719,636 3,797,811 3,675,867 47,094,605 42,139,024 46,854,904 42,075,201 INTEGRATED ANNUAL REPORT 202 1 Key Messages Overview Value Creation MD&A Sustainability Leadership Accountability Financial Additional Information 363
RkJQdWJsaXNoZXIy NDgzMzc=