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ANNUAL REPORT 2021 165

Notes to the fiNaNcial statemeNts

27. UnDerwriting resUlts (cOnt’D.)

(ii) Net claims recovered
Group and Bank
2021 2020
RM’000 RM’000

Gross claims paid less salvage (Note 22) - (314)
Recoveries - 4,031

Claims recovered - 3,717
Change in insurance claims (Note 22) 3,719 1,239
Net claims recovered 3,719 4,956

28. Other incOme

Group and Bank
2021 2020
RM’000 RM’000

Fee income from loans, advances and financing 17,321 21,483
Unrealised foreign exchange (loss)/gain (106,501) 5,576
Realised foreign exchange gain/(loss)
- Financial assets at amortised cost 49,732 44,163
- Financial liabilities at FVTPL 13,669 (28,714)
(Loss)/gain on disposal of equipment (2) 39
Rental of income 24 14
Unrealised gain/(loss) on derivatives (66,511) 104,350
Gain/(loss) on MTN/Sukuk
- Unrealised 82,530 (40,429)
Others 14,271 177
4,533 106,659

29. OverheaD exPenses

Group and Bank
2021 2020
Note RM’000 RM’000

Personnel costs (i) 52,117 55,918
Establishment related expenses (ii) 10,458 10,676
Promotion and marketing expenses (iii) 839 558
General administrative expenses (iv) 20,430 21,039
83,844 88,191