40. OPERATING SEGMENTS (CONTINUED) 2021 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 1,929,505 609,975 582,957 67,426 (22,106) 3,167,757 Net fund based income 1,079,038 382,804 111,097 258,653 – 1,831,592 Non-fund based income 149,087 32,791 130,283 66,584 (21,395) 357,350 Net income 1,228,125 415,595 241,380 325,237 (21,395) 2,188,942 Net allowance for impairment on financial assets 37,290 (228,028) (6,650) (756) – (198,144) Profit before overheads, zakat and tax 1,265,415 187,567 234,730 324,481 (21,395) 1,990,798 Operating expenses (1,286,577) Profit before zakat and tax 704,221 Segment assets 44,032,459 14,121,310 19,983,824 385,141 (274,839) 78,247,895 Unallocated assets 1,908,319 Total assets 80,156,214 (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 RM182,872,000 and investment income of RM85,998,000. . Notes to the financial statements for the financial year ended 31 December 2022 Integrated Report 2022 326
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