Page 346 - Bank Muamalat_AR24

344 BANK MUAMALAT MALAYSIA BERHAD

NOTES TO THE FINANCIAL STATEMENTS
31 DECEMBER 2024 (29 JAMADIL AKHIR 1446H)

50. CAPITAL AND OTHER COMMITMENTS

Capital expenditure approved by the Directors but not provided for in the financial statements amounted to:
Group
2024 2023
RM’000 RM’000

Approved and contracted for 21,486 9,299
Approved but not contracted for 95,008 170,225

116,494 179,524

Bank
2024 2023
RM’000 RM’000

Approved and contracted for 21,486 9,299
Approved but not contracted for 95,008 170,243
116,494 179,542

51. CAPITAL ADEQUACY
(a) The core capital ratios and risk-weighted capital ratios of the Group and the Bank are as follows:

Group
2024 2023
RM’000 RM’000

Computation of total risk-weighted assets (“RWA”)
Total credit RWA 23,914,985 22,739,787
Less: Credit risk absorbed by profit-sharing investment account (“PSIA”) (117,142) (126,607)
Total market RWA 105,498 77,388
Total operational RWA 1,559,286 1,508,264
Total RWA 25,462,627 24,198,832

Computation of capital ratios
Tier-I capital

Share capital 1,195,000 1,195,000
Retained profits 1,818,444 1,742,374
Other Reserves
Regulatory reserve 145,404 155,747
FVOCI reserve (11,637) (6,966)
Foreign exchange translation reserve 2,973 1,591