365 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2025 06 / FINANCIAL STATEMENTS 01 02 03 04 05 07 08 09 53. OPERATIONS OF ISLAMIC BANKING (CONT’D.) (s) Capital adequacy (cont’d.) Group and Bank 2025 RM’000 2024 RM’000 CET 1 capital ratio 60.508% 82.627% Tier 1 capital ratio 60.508% 82.627% Total capital ratio 60.900% 83.327% The breakdown of risk-weighted assets (excluding any deferred tax assets) in the various categories of risk-weights are as follows: 2025 2024 Principal RM’000 Risk- weighted RM’000 Principal RM’000 weighted RM’000 Group and Bank Credit risk 1,377,733 354,788 912,672 228,046 Operational risk - 37,956 - 37,743 Total risk weighted assets 1,377,733 392,744 912,672 265,789 (t) Commitments and contingencies In the normal course of business, the Group and the Bank enter into various commitments and incur certain contingent liabilities with legal recourse to their customers. No material losses are anticipated as a result of these transactions. As at reporting date, the commitments and contingencies are as follows: Group and Bank 2025 Principal amount RM’000 2024 Principal amount RM’000 Commitments to extend credit with maturity of less than 1 year: - share margin financing 11,212 16,134 - corporate financing 49,453 41,531 Commitments to extend credit with maturity of more than 1 year: - corporate financing - 34,250 60,665 91,915
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