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166   FINANCIAL      EXIM BANK MALAYSIA
                STATEMENTS

          Notes to the fiNaNcial statemeNts








          29.   OverheaD exPenses (cOnt’D.)

               (i)   Personnel costs
                                                                                                  Group and Bank
                                                                                                 2021         2020
                                                                                               RM’000       RM’000

                  Salaries, allowances and bonuses                                              38,489       43,605
                  Defined contribution plan                                                      7,241        6,529
                  Other staff related expenses                                                   6,387        5,784
                                                                                                52,117       55,918

               (ii)   Establishment related expenses

                                                                                                  Group and Bank
                                                                                                 2021         2020
                                                                                               RM’000       RM’000
                  Depreciation:
                    - Property and equipment (Note 15)                                            3,043       4,445
                    - Investment properties (Note 13)                                               18          18
                    - Right-of-use assets (Note 16)                                              1,184         247
                  Amortisation of intangible assets (Note 14)                                    1,086        1,643
                  Rental of equipment                                                              160         200
                  Interest expense - lease liabilities                                             131          33
                  Repairs and maintenance of property and equipment                              4,836        4,090
                                                                                                10,458       10,676

               (iii)  Promotion and marketing expenses

                                                                                                  Group and Bank
                                                                                                 2021         2020
                                                                                               RM’000       RM’000

                  Advertisement and publicity                                                      839          558
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