BIMB Integrated Annual Report 2019

32 NET EARNED CONTRIBUTIONS Group 2019 2018 RM’000 RM’000 Gross earned contributions 2,740,035 2,287,009 Contribution ceded to retakaful (394,204) (352,796) 2,345,831 1,934,213 Gross contributions 2,751,654 2,310,166 Change in actuarial reserves/unearned contributions reserves (11,619) (23,157) Gross earned contributions 2,740,035 2,287,009 Retakaful (407,954) (358,372) Change in actuarial reserves/unearned contributions reserves 13,750 5,576 Contributions ceded to retakaful (394,204) (352,796) Net earned contributions 2,345,831 1,934,213 33 OTHER INCOME FROM TAKAFUL BUSINESS Group 2019 2018 RM’000 RM’000 Administration income 65,927 74,942 Investment income 342,968 306,429 Realised gains and losses 15,173 2,369 Fair value gains and losses 31,872 (80,802) Other operating income 4,507 8,487 460,447 311,425 NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2019 (CONTINUED) 254 Integrated Annual Report 2019 Group Overview Sustaining The Group Management Discussion & Analysis Group Governance