267 NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2025 06 / FINANCIAL STATEMENTS 01 02 03 04 05 07 08 09 29. RESERVES (CONT’D.) (b) The exchange reserve represents foreign exchange differences arising from the translation of the financial statements of the associated companies. (c) Regulatory reserve is maintained in addition to the impairment allowance for non-impaired credit exposures that has been assessed and recognised in accordance with MFRS in compliance with BNM requirements. 30. OPERATING REVENUE Revenue of the Group comprises all types of revenue derived from brokerage, lending, treasury, investment, trading and investment management and other banking activities undertaken by the Group. Revenue of the Bank comprises all types of revenue derived from brokerage, lending, treasury, investment, trading and other banking activities undertaken by the Bank. 31. INTEREST INCOME Group Bank 2025 RM’000 2024 RM’000 2025 RM’000 2024 RM’000 Loans, advances and financing - Interest income other than recoveries from impaired loans 128,093 124,132 130,672 126,827 Money at call and deposit placements with financial institutions 87,917 88,479 73,732 74,826 Financial investments measured at FVOCI 23,030 25,951 23,030 25,951 Financial investments at amortised cost 17,697 17,353 17,697 17,353 Others 10,641 12,595 10,617 12,547 267,378 268,510 255,748 257,504 32. INTEREST EXPENSE Group Bank 2025 RM’000 2024 RM’000 2025 RM’000 2024 RM’000 Deposits from customers 130,032 146,218 134,297 150,551 Deposits and placements from banks and other financial institutions 21,349 12,303 21,349 12,303 Borrowings 7,309 8,783 6,712 8,658 Lease interest expenses 1,146 1,344 811 1,011 Monies held in trust 23,133 26,582 23,133 26,582 Others 3,548 4,351 5,288 5,357 186,517 199,581 191,590 204,462
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