333 How We Are Governed Financial Statements Shareholders’ Information Additional Information 52. OPERATIONS OF ISLAMIC BANKING (CONT’D.) (m) Income derived from investment of shareholders’ funds Group and Bank 2021 RM’000 2020 RM’000 Finance income and hibah Financing and advances 4,432 5,253 Financial investments other than those measured at FVTPL 2,547 3,487 Accretion of premium (254) (336) 6,725 8,404 (n) Profit distributed to depositors Group and Bank 2021 RM’000 2020 RM’000 Deposits from customers and financial institutions - Murabahah Fund 15,975 30,030 Others 2,287 2,729 18,262 32,759 (o) Other operating expenses Group and Bank 2021 RM’000 2020 RM’000 (i) Personnel expenses - salaries, wages, allowances and bonus 617 593 - EPF 96 92 - other staff related expense 55 64 768 749 (ii) Other overhead expenses Establishment costs - depreciation 8 8 - amortisation 1 10 - office rental 58 58 - repair and maintenance - 6 - others 13 5 80 87
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