45. CAPITAL ADEQUACY (CONTINUED) The capital adequacy ratios of the Group and the Bank are set out below: Group Bank 2022 2021 2022 2021 Common Equity Tier I (“CET I”) Capital Ratio 13.578% 13.179% 13.230% 12.799% Tier I Capital Ratio 14.640% 13.179% 14.298% 12.799% Total Capital Ratio 19.392% 18.561% 19.074% 18.203% The components of CET I, Tier I and Tier II capital: Group Bank 2022 RM’000 2021 RM’000 2022 RM’000 2021 RM’000 Paid-up share capital 3,645,043 3,445,757 3,645,043 3,445,757 Retained earnings 3,096,604 2,965,080 3,105,912 2,965,659 Other reserves 54,596 (10,899) (56,368) (121,843) Less: Deferred tax assets (212,349) (193,214) (211,377) (191,773) Regulatory reserves (136,000) – (136,000) – Investment in subsidiaries – – (100,905) (100,905) Intangible assets (54,578) – (54,578) – Total CET I 6,393,316 6,206,724 6,191,727 5,996,895 Capital securities 500,000 – 500,000 – Total Tier I Capital 6,893,316 6,206,724 6,691,727 5,996,895 Sukuk Murabahah 1,700,000 2,000,000 1,700,000 2,000,000 Loss provisions ^ 537,883 534,465 535,095 532,094 Total Tier II Capital 2,237,883 2,534,465 2,235,095 2,532,094 Total Capital 9,131,199 8,741,189 8,926,822 8,528,989 ^ 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. Financial Statements 377 01 05 03 07 02 06 09 04 08 Bank Islam Malaysia Berhad
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