41. SEGMENTS REPORTING (CONTINUED) 2024 Group Retail Banking RM’000 Group Institutional Banking RM’000 Head Office and Others RM’000 Elimination RM’000 Total RM’000 Net fund based income – External income (a) 2,789,555 1,503,636 10,780 (2,059) 4,301,912 – Income attributable to depositors and investment account holders and inter-segment (1,250,365) (813,684) (62,917) 1,956 (2,125,010) 1,539,190 689,952 (52,137) (103) 2,176,902 Other operating income (b) 216,092 149,528 82,706 (50,601) 397,725 Total net income 1,755,282 839,480 30,569 (50,704) 2,574,627 Net allowance for impairment (105,664) 12,702 (19,104) 17,500 (94,566) Profit before overheads, zakat and tax 1,649,618 852,182 11,465 (33,204) 2,480,061 Operating expenses (989,447) (344,708) (284,311) 44,988 (1,573,478) Finance costs – – (134,997) 145 (134,852) Share of profits in associates – – 1,394 – 1,394 Profit before zakat and tax 660,171 507,474 (406,449) 11,929 773,125 Zakat and tax expense (202,041) Profit for the year 571,084 Segment assets 54,140,756 39,062,901 682,912 (349,913) 93,536,656 Unallocated assets 3,266,500 Total assets 96,803,156 (a) Included in external income are income derived from investment of depositors' funds, investment account funds, investment of shareholders' funds and loss on modification of financial assets. (b) Included in other operating income are fee and commission income that amounted to RM281,935,000 and investment income of RM54,208,000. Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 368 Notes to the Financial Statements for the financial year ended 31 December 2024
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