335 How We Are Governed Financial Statements Shareholders’ Information Additional Information 52. OPERATIONS OF ISLAMIC BANKING (CONT’D.) (q) Capital adequacy Group and Bank 2021 RM’000 2020 RM’000 CET 1/Tier 1 capital Islamic banking funds 120,000 120,000 Retained profits 55,484 45,650 Reserves 8,481 12,745 Less: Intangible assets (3) (2) 55% of cumulative gains on financial investments at FVOCI (499) (2,771) Regulatory reserve (2,314) (2,442) Total CET 1/Tier 1 capital 181,149 173,180 Tier 2 capital Impairment provision 2,411 2,718 Total Tier 2 capital 2,411 2,718 Total capital 183,560 175,898 CET 1 capital ratio 77.917% 64.539% Tier 1 capital ratio 77.917% 64.539% Total capital ratio 78.954% 65.552% The breakdown of risk-weighted assets (excluding any deferred tax assets) in the various categories of risk-weights are as follows: 2021 2020 Principal RM’000 Risk- weighted RM’000 Principal RM’000 Risk- weighted RM’000 Group and Bank Credit risk 883,247 202,433 897,330 238,272 Market risk - - - - Operational risk - 30,058 - 30,060 Total risk weighted assets 883,247 232,491 897,330 268,332
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