Page 167 - EXIM-Bank_Annual-Report-2022

A VISION COMMITMENT EMPOWERING ENSURING ENHANCING FINANCIAL
TO SERVE TO LEAD GROWTH SUSTAINABILITY GOVERNANCE STATEMENTS 165

Notes to the fiNaNcial statemeNts

26. oPerAtING reveNue
Operating revenue of the Group and the Bank comprises gross interest income, fee and commission income, income from
insurance operation and income from Islamic banking and Takaful businesses.
Group and Bank
2022 2021
rM’000 rM’000
Banking 194,545 145,154
Insurance and takaful 2,157 1,560
Recoveries from impaired loans 29,188 27,490
Treasury 2,236 501
228,126 174,705

The timing of revenue recognition by the Group and the Bank are as follows:

Group and Bank
2022 2021
rM’000 rM’000
At a point in time 36,171 38,887
Over a period of time 191,955 135,818
228,126 174,705

27. INterest INCoMe
Group and Bank
2022 2021
rM’000 rM’000
Financial assets at amortised cost
Loans, advances and financing
- Interest income from non-impaired loans 111,406 58,576
- Recoveries from impaired loans 15,626 12,430
Money at call and deposit placements with banks and
other financial institutions 36,510 12,147
Financial investments at FVOCI and at amortised cost 12,305 12,270
Amortisation of premium, net (236) (227)
Financial assets at FVTPL on net interest on derivatives 8,742 42,753
184,353 137,949