Page 339 - Full Book_24.4.2021
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NOTES TO THE
            FINANCIAL STATEMENTS                                                                                          in retrospect



                                                                                                                          |
            for the financial year ended 31 december 2020 (continUed)
                                                                                                                          the Will to Suceed


                                                                                                                          |
            54   OPERATING SEGMENT INFORMATION (CONTINUED)
                                                      Banking       Takaful      Others    Elimination  Consolidated
                 2020                                  RM’000       RM’000       RM’000       RM’000       RM’000         achieving a leading repute

                 Business segments
                 Segment result
                 revenue from external customers     3,314,020    1,655,375       10,714           –     4,980,109        |
                 inter-segment revenue                  28,182       31,857      362,912     (422,951)          –

                 Total revenue                       3,342,202    1,687,232      373,626     (422,951)   4,980,109
                 net income from operations (before                                                                       Paving the Way for a Sustainable future
                   allowances for impairment on
                   financing and other assets)       2,113,697    1,070,495      373,626     (392,729)   3,165,089
                 operating overheads                (1,088,112)    (643,999)     (23,443)      37,355    (1,718,199)
                 operating results                   1,025,585      426,496      350,183     (355,374)    1,446,890
                 allowances for impairment            (205,914)          –       (41,165)      41,165     (205,914)
                 finance cost                          (91,458)         (92)     (54,778)       2,637     (143,691)    333

                 profit before zakat and taxation      728,213      426,404      254,240     (311,572)    1,097,285
                                                                                                                          adhering to the best Governance Practices
                 Segment assets                     74,637,022   11,690,340    6,133,023    (6,550,484)  85,909,901

                 Segment liabilities                68,351,323   10,172,584    1,175,542     (942,626)  78,756,823


                 2019
                 Business segments
                 Segment result                                                                                           |
                 revenue from external customers     3,613,184    1,758,738        9,724           –     5,381,646
                 inter-segment revenue                  31,512       29,686      422,213     (483,411)          –

                 Total revenue                       3,644,696    1,788,424      431,937     (483,411)   5,381,646
                 net income from operations (before                                                                       Laying the Foundation for Financial Growth
                   allowances for impairment on
                   financing and other assets)       2,092,751    1,123,384      431,937     (456,844)   3,191,228
                 operating overheads                 (1,073,843)   (705,290)     (24,350)      42,835    (1,760,648)

                 operating results                   1,018,908      418,094      407,587     (414,009)   1,430,580        |
                                                                                                                          additional information & disclosure Summary
                 allowances for impairment             (87,448)          –        (4,822)       4,822      (87,448)
                 finance cost                          (87,980)        (103)     (52,785)       2,750     (138,118)

                 profit before zakat and taxation      843,480      417,991      349,980     (406,437)   1,205,014

                 Segment assets                     67,593,802   10,254,080    6,018,581    (6,602,970)   77,263,493

                 Segment liabilities                61,879,349    9,022,673    1,191,025    (1,247,697)  70,845,350
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