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Section 06  Financial Statements
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            29.  OVERHEAD EXPENSES (CONT’D.)
                 (i)   Personnel costs

                                                                                                    Group and Bank
                                                                                                    2020        2019
                                                                                                 RM’000       RM’000

                    Salaries, allowances and bonuses                                              43,605       33,692
                    Defined contribution plan                                                      6,529        6,316
                    Other staff related expenses                                                   5,784        6,976
                                                                                                  55,918       46,984


                 (ii)  Establishment related expenses
                                                                                                    Group and Bank
                                                                                                    2020        2019
                                                                                                 RM’000       RM’000

                    Depreciation:
                      - Property and equipment (Note 15)                                            4,445       4,616
                      - Investment properties (Note 13)                                               18          18
                      - Right-of-use assets (Note 16)                                                247         237
                    Amortisation of intangible assets (Note 14)                                    1,643        2,333
                    Rental of equipment                                                              200         246
                    Interest expense - lease liabilities                                              33           27
                    Repairs and maintenance of property and equipment                              4,090        4,302
                                                                                                  10,676       11,779

                 (iii)  Promotion and marketing expenses
                                                                                                    Group and Bank
                                                                                                    2020        2019
                                                                                                 RM’000       RM’000

                    Advertisement and publicity                                                      558        2,225
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