40. OPERATING SEGMENTS (CONTINUED) 2022 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 (a) 2,355,432 668,568 512,032 69,360 (29,038) 3,576,354 Net fund based income (b) 1,194,710 494,038 73,457 316,614 – 2,078,819 Non-fund based income (c) 183,078 37,792 (29,743) 66,387 (26,387) 231,127 Net income 1,377,788 531,830 43,714 383,001 (26,387) 2,309,946 Net allowance for impairment on financial assets (84,853) (55,179) 1,314 (355) – (139,073) Profit before overheads, zakat and tax 1,292,935 476,651 45,028 382,646 (26,387) 2,170,873 Operating expenses (1,424,007) Profit before zakat and tax 746,866 Segment assets 48,171,809 16,730,185 21,857,219 504,693 (358,859) 86,905,047 Unallocated assets 2,946,624 Total assets 89,851,671 (a) Included in total revenue are income derived from investment of depositors' funds, investment account funds, investment of shareholders' funds, loss on modification of financial assets, and wakalah fees from restricted investment accounts. (b) Net fund based income is derived after deducting the income attributable to depositors and income attributable to investment account holders. (c) Included in non-fund based income are fee and commission income that amounted to RM221,950,000 and investment income of RM20,769,000. Financial Statements 325 01 05 03 07 02 06 09 04 08 Bank Islam Malaysia Berhad
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