Bank Islam Integrated Annual Report 2020

38. OPERATING SEGMENTS (CONTINUED) 2020 Consumer Banking RM’000 Corporate and Commercial Banking RM’000 Treasury RM’000 Shareholders unit RM’000 Elimination RM’000 Group Total RM’000 Total Revenue 1,854,908 652,036 784,963 66,123 (15,828) 3,342,202 Net fund based income 941,306 351,755 146,795 141,026 – 1,580,882 Non-fund based income 141,779 38,377 309,411 58,855 (15,607) 532,815 Net income 1,083,085 390,132 456,206 199,881 (15,607) 2,113,697 Net allowance for impairment on financial assets (125,989) (80,182) 257 – – (205,914) Profit before overheads, zakat and tax 957,096 309,950 456,463 199,881 (15,607) 1,907,783 Operating expenses (1,179,570) Profit before zakat and tax 728,213 Segment assets 40,874,237 13,796,398 18,286,566 54,179 (35,164) 72,976,216 Unallocated assets 1,660,806 Total assets 74,637,022 2019 Consumer Banking RM’000 Corporate and Commercial Banking RM’000 Treasury RM’000 Shareholders unit RM’000 Elimination RM’000 Group Total RM’000 Total Revenue 2,200,368 658,704 736,485 63,874 (14,735) 3,644,696 Net fund based income 993,080 385,801 104,199 190,043 – 1,673,123 Non-fund based income 147,766 38,702 191,026 56,594 (14,460) 419,628 Net income 1,140,846 424,503 295,225 246,637 (14,460) 2,092,751 Net allowance for impairment on financial assets (50,285) (38,402) 1,202 37 – (87,448) Profit before overheads, zakat and tax 1,090,561 386,101 296,427 246,674 (14,460) 2,005,303 Operating expenses (1,161,823) Profit before zakat and tax 843,480 Segment assets 36,854,137 12,618,385 15,488,586 99,278 (85,004) 64,975,382 Unallocated assets 2,618,420 Total assets 67,593,802 BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 265