288 KENANGA INVESTMENT BANK BERHAD INTEGRATED ANNUAL REPORT 2025 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2025 48. CAPITAL MANAGEMENT AND CAPITAL ADEQUACY (CONT'D.) Capital adequacy (cont'd.) Components of Tier 1 and Tier 2 capital (cont'd.): Group Bank 2025 2024 2025 2024 After deducting interim dividends * CET 1 capital ratio 16.238% 14.892% 17.243% 15.164% Tier 1 capital ratio 17.477% 14.892% 18.820% 15.164% Total capital ratio 20.707% 21.211% 22.944% 22.662% * Refer to interim dividends declared subsequent to the financial year end. Group Bank 2025 RM'000 2024 RM'000 2025 RM'000 2024 RM'000 CET 1 capital Paid-up share capital 253,834 253,834 253,834 253,834 Retained profits 721,396 730,701 615,257 628,109 Other reserves 120,679 140,748 179,373 171,368 Less: Goodwill (241,027) (241,027) (252,909) (252,909) 55% of cumulative gains on financial investments at FVOCI (54) (5,254) (4,127) (170) Deferred tax assets (22,150) (32,949) - (11,169) Other intangibles (98,651) (100,013) (76,777) (80,667) Regulatory reserve (17,788) (16,748) (17,788) (16,748) Treasury shares (7,446) (7,441) (7,446) (7,441) Investment in ordinary shares of unconsolidated financial entities (148,052) (186,706) (215,348) (215,162) Total CET 1 560,741 535,145 474,069 469,045 Additional Tier 1 capital Capital securities 40,000 - 40,000 - Total Tier 1 capital 600,741 535,145 514,069 469,045 Tier 2 Capital Subordinated obligations capital 83,500 180,500 83,500 180,500 General provisions ^ 20,712 21,628 21,187 22,478 Total Tier 2 capital * 104,212 202,128 104,687 202,978 Total Capital 704,953 737,273 618,756 672,023
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