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. 31.12.2021 31.12.2020 Riskweighted assets Minimum capital requirement at 8% Riskweighted assets Minimum capital requirement at 8% Group RM’000 RM’000 RM’000 RM’000 Credit Risk 50,180,739 4,014,459 46,862,577 3,749,006 Less: Credit Risk absorbed by IA (7,423,579) (593,886) (9,082,114) (726,569) Market Risk 489,559 39,165 638,925 51,114 Operational Risk 3,847,886 307,831 3,719,636 297,571 Total 47,094,605 3,767,569 42,139,024 3,371,122 31.12.2021 31.12.2020 Riskweighted assets Minimum capital requirement at 8% Riskweighted assets Minimum capital requirement at 8% Bank RM’000 RM’000 RM’000 RM’000 Credit Risk 50,080,971 4,006,478 46,842,825 3,747,426 Less: Credit Risk absorbed by IA (7,513,437) (601,075) (9,082,416) (726,593) Market Risk 489,559 39,165 638,925 51,114 Operational Risk 3,797,811 303,825 3,675,867 294,069 Total 46,854,904 3,748,393 42,075,201 3,366,016 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 information 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. PILLAR 3 DISCLOSURE as at 31 December 2021 BANK I SLAM MALAYS IA BERHAD 376
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