33. OTHER OVERHEAD EXPENSES Group Bank 2023 RM’000 2022 RM’000 2023 RM’000 2022 RM’000 Promotion Credit and debit card expenses 75,713 56,674 75,713 56,674 Advertisement and publicity 28,351 20,026 27,929 19,252 Others 31,779 34,133 27,513 25,797 135,843 110,833 131,155 101,723 Establishment Depreciation of property and equipment 54,833 59,785 54,007 58,928 Amortisation of intangible assets 16,098 1,024 16,098 1,024 Depreciation of right-of-use assets 18,095 17,198 17,603 16,726 Office rental 29,225 28,288 29,153 28,196 Information technology expenses 109,826 88,825 108,898 87,976 Guarantee fees 8,330 6,711 8,330 6,711 Security services 9,789 9,211 9,789 9,211 Utilities 12,944 11,063 12,702 10,806 Office maintenance 11,757 10,403 10,800 9,994 Rental of equipment 6,281 6,575 6,114 6,322 Takaful 12,681 12,403 12,625 12,341 Others 321 320 321 320 290,180 251,806 286,440 248,555 General expenses Outsourcing fees – Management of self-service terminal 14,033 11,350 14,033 11,350 – Credit recovery – – 7,753 6,209 – Others 6,919 4,116 6,919 4,116 Recruitment expenses 8,594 5,611 8,594 5,611 Postage 8,130 12,347 8,100 12,270 Office supplies 6,191 7,657 6,118 7,582 Travelling 6,559 5,681 6,296 5,514 Storage expenses 3,096 2,705 3,074 2,684 Subscription fees 12,359 14,152 10,280 12,480 SMS service charges 21,777 17,805 21,777 17,805 Security services for cash in transit 5,131 4,606 5,131 4,606 Professional fees 10,803 8,997 10,289 8,243 Mobile banking expenses 8,530 7,095 8,530 7,095 Licenses 2,015 2,101 1,867 1,889 General expenses 1,212 864 1,212 864 Management fees 1,683 2,528 21,190 13,908 Auditors’ remuneration – Statutory audit 2,002 1,664 1,812 1,489 – Regulatory related 591 282 591 282 – Non-audit 200 438 200 438 Processing charges 1,885 2,033 1,885 2,033 Bank and service charges 5,218 4,201 5,188 4,183 Property and equipment written-off 556 769 516 482 Ta’widh and waiver 2,622 1,656 2,622 1,656 Others 3,839 2,170 3,395 199 133,945 120,828 157,372 132,988 559,968 483,467 574,967 483,266 339 1 2 3 4 5 6 7 8 9 www.bankislam.com FINANCIAL STATEMENTS
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