28. INCOME DERIVED FROM INVESTMENT OF SHAREHOLDERS’ FUNDS (CONTINUED) Group Bank 2022 RM’000 2021 RM’000 2022 RM’000 2021 RM’000 Fees and commission Card fees and commission 83,402 78,655 83,402 78,655 Takaful service fees and commission 40,769 31,929 40,769 31,929 Financing fees 22,597 19,372 22,597 19,372 Sales charges on unit trust 7,091 13,150 – – Unit trust management fees 13,361 16,835 – – Commission on MEPS 28,025 7,854 28,025 7,854 Ar-Rahnu fees – 63 – 63 Mobile banking fees 7,422 7,794 7,422 7,794 Corporate advisory fees 9,419 8,885 8,877 8,700 Deposit and payment service fees 4,308 3,819 4,308 3,819 Processing fees 5,866 3,790 5,856 3,648 Commission on bills payment system 1,060 1,815 1,060 1,815 Commission from wealth management services 128 188 4,594 5,706 Ta'widh Charges 1,435 1,555 1,431 1,554 Others 23,053 15,406 13,551 11,717 247,936 211,110 221,892 182,626 Other income Rental income 751 1,631 1,259 2,308 Net gain on disposal of property and equipment 68 603 – 602 Other income 415 257 278 86 1,234 2,491 1,537 2,996 402,459 458,750 378,885 430,950 29. NET ALLOWANCE FOR IMPAIRMENT ON FINANCING AND ADVANCES Group and Bank 2022 RM’000 2021 RM’000 Net allowance for impairment on financing, advances and others: – Stage 1 (103,299) (159,674) – Stage 2 (74,812) 151,178 – Stage 3 410,589 274,433 Bad debts and financing recovered (92,446) (75,199) 140,032 190,738 Notes to the financial statements for the financial year ended 31 December 2022 Integrated Report 2022 316
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