40. OPERATING SEGMENTS (CONTINUED) 2023 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) 2,798,537 922,334 774,887 147,061 (113,478) 4,529,341 Net fund based income (b) 1,177,592 583,878 84,969 224,086 – 2,070,525 Non-fund based income (c) 186,452 45,565 141,275 144,965 (111,628) 406,629 Net income 1,364,044 629,443 226,244 369,051 (111,628) 2,477,154 Net allowance for impairment on financial assets (164,755) (10,508) (4,142) 444 – (178,961) Profit before overheads, zakat and tax 1,199,289 618,935 222,102 369,495 (111,628) 2,298,193 Operating expense, direct expense and finance cost (1,551,364) Profit before zakat and tax 746,829 Segment assets 50,229,853 16,587,262 20,482,625 455,488 (447,144) 87,308,084 Unallocated assets 3,653,790 Total assets 90,961,874 (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 RM253,495,000 and investment income of RM62,856,000. 347 1 2 3 4 5 6 7 8 9 www.bankislam.com FINANCIAL STATEMENTS
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