Bank Islam Integrated Annual Report 2020

26. INCOME DERIVED FROM INVESTMENT OF SHAREHOLDERS’ FUNDS (CONTINUED) Group Bank 2020 RM’000 2019 RM’000 2020 RM’000 2019 RM’000 Fees and commission Card fees and commission 74,466 69,370 74,466 69,370 Takaful service fees and commission 31,335 33,502 31,335 33,502 Financing fees 17,680 16,724 17,680 16,724 Sales charges on unit trust 11,856 15,140 – – Unit trust management fees 16,786 17,723 – – Commission on MEPS 2,108 10,449 2,108 10,449 Ar-Rahnu fees 6,815 9,634 6,815 9,634 Mobile banking fees 7,002 6,624 7,002 6,624 Corporate advisory fees 9,491 8,165 9,491 8,165 Deposit and payment service fees 4,629 5,461 4,629 5,461 Processing fees 9,732 5,857 9,732 5,831 Commission on bills payment system 1,331 1,435 1,331 1,435 Commission from wealth management services 110 71 4,712 5,645 Ta'widh Charges 1,387 1,057 1,387 1,057 Others 10,760 15,362 10,433 14,031 205,488 216,574 181,121 187,928 Other income Rental income 2,549 2,443 2,931 2,807 Net gain on disposal of property and equipment 3 421 3 421 Other income 226 480 83 289 2,778 3,344 3,017 3,517 460,059 490,882 436,313 462,227 27. NET ALLOWANCE FOR IMPAIRMENT ON FINANCING AND ADVANCES Group and Bank 2020 RM’000 2019 RM’000 Net allowance for impairment on financing, advances and others: – Stage 1 228,646 24,186 – Stage 2 1,661 20,032 – Stage 3 57,880 146,611 Bad debts and financing recovered (79,516) (107,141) 208,671 83,688 BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 255