STATEMENT OF VALUE-ADDED 2024 2023 Net income derived from investment of depositor’s funds 1,703,921 1,561,440 Net income derived from investment of account funds 299,686 365,739 Net income derived from investment of shareholder’s funds 571,020 549,986 Net allowance for impairment on financing and advances, net of recoveries (94,628) (175,263) Loss on modification for impairment on other financial assets – – Direct expenses (27,794) (18,596) Finance cost (134,852) (111,549) Overhead expenses excluding personnel and depreciation (525,639) (470,942) 1,791,714 1,700,815 DISTRIBUTION OF VALUE-ADDED 2024 2023 Personnel expenses 933,215 861,251 Taxation and zakat 202,041 193,779 Dividend to shareholders 342,691 380,979 Depreciation and amortisation 86,830 89,026 Retained earnings 226,937 175,780 1,791,714 1,700,815 Financial year ended 31 December 2024 Q1 Q2 Q3 Q4 Total Total revenue 1,145 1,148 1,166 1,240 4,700 Net income before impairment 618 629 629 698 2,575 Profit before overheads, zakat and tax 576 594 593 719 2,481 Profit before zakat and tax 176 186 176 235 773 Profit after zakat and tax 131 138 130 173 571 Earnings per share (sen) 5.77 6.09 5.72 7.62 25.20 Financial year ended 31 December 2023 Q1 Q2 Q3 Q4 Total Total revenue 1,104 1,120 1,138 1,167 4,529 Net income before impairment 608 609 620 640 2,477 Profit before overheads, zakat and tax 546 548 580 625 2,299 Profit before zakat and tax 162 184 197 204 747 Profit after zakat and tax 118 136 141 158 553 Earnings per share (sen) 5.33 6.04 6.21 6.99 24.57 Quarterly Performance Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 88 Statement of Value-added and Distribution
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