STATEMENT OF VALUE-ADDED 2022 RM’000 2021 RM’000 Net income derived from investment of depositor’s funds 1,513,570 1,441,384 Net income derived from investment account funds 393,858 337,411 Net income derived from investment of shareholder’s funds 402,518 459,058 Net allowance for impairment on financing and advances, net of recoveries (140,032) (190,738) Loss on modification of financial assets – (48,911) Net allowance for impairment on other financial assets – (7,406) Direct expenses (11,414) (10,938) Finance cost (107,171) (89,887) Overhead expenses excluding personnel and depreciation (405,460) (402,697) 1,645,869 1,487,276 DISTRIBUTION OF VALUE-ADDED 2022 RM’000 2021 RM’000 To employees: Personnel expenses 821,955 723,830 To the government and zakat authority: Taxation and zakat 255,194 169,916 To providers of capital: Dividend to shareholders 300,444 226,893 To reinvest to the Group: Depreciation 78,007 59,225 Retained earnings 190,269 307,412 1,645,869 1,487,276 Management Discussion and Analysis Bank Islam Malaysia Berhad 67 01 05 03 07 02 06 09 04 08 Statement of Value-added & Distribution
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