Page 363 - Bank Muamalat_AR24

ANNUAL REPORT 2024 1 2 3 4 5 6 7 Our Numbers 8 361

2.1 INTERNAL CAPITAL ADEQUACY ASSESSMENT PROCESS (“ICAAP”) (CONT’D)

The following tables present the minimum regulatory capital requirement to support the Group’s and the Bank’s
risk-weighted assets:

Table 3: Minimum capital requirement and risk-weighted assets
31 December 2024 31 December 2023
Minimum Minimum
Risk Capital Risk Capital
Weighted Requirement Weighted Requirement
Assets at 8% Assets at 8%
RM’000 RM’000 RM’000 RM’000

Group
Credit Risk 23,914,986 1,913,199 22,739,787 1,819,183
Less: Credit risk absorbed by profit-sharing
investment account (“PSIA”) 117,142 - 126,607 -
Market Risk 105,498 8,440 77,388 6,191
Operational Risk 1,559,285 124,743 1,508,264 120,661
Total 25,462,627 2,046,382 24,198,832 1,946,035

31 December 2024 31 December 2023
Minimum Minimum
Risk Capital Risk Capital
Weighted Requirement Weighted Requirement
Assets at 8% Assets at 8%
RM’000 RM’000 RM’000 RM’000
Bank
Credit Risk 23,903,796 1,912,304 22,729,923 1,818,394
Less: Credit risk absorbed by profit-sharing
investment account (“PSIA”) 117,142 - 126,607 -
Market Risk 105,498 8,440 77,388 6,191
Operational Risk 1,549,255 123,940 1,483,198 118,656

Total 25,441,407 2,044,684 24,163,902 1,943,241

The Group and the Bank do 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 the BNM’s RWCAF.