VALUE-ADDED STATEMENT
| 2009 | 2008 | |||
| Rm | % | RM | % | |
| Value added is the wealth created from providing quality services to clients | ||||
| Net-interest income | 16 306 | 101 | 16 170 | 94 |
| Impairment losses on loans and advances | (6 634) | (41) | (4 822) | (28) |
| Income from lending activities | 9 672 | 60 | 11 348 | 66 |
| Non-margin-related income* | 12 585 | 78 | 11 639 | 67 |
| Other expenditure | (6 111) | (38) | (5 671) | (33) |
| 16 146 | 100 | 17 316 | 100 | |
| Value allocated | ||||
| – Employees | 7 898 | 49 | 7 040 | 41 |
| – Government (taxes)** | 1 745 | 11 | 2 242 | 13 |
| – Shareholders*** | 2 839 | 18 | 3 330 | 19 |
| – Retentions for growth | 3 664 | 23 | 4 704 | 27 |
| Depreciation and amortisation | 1 091 | 7 | 1 030 | 6 |
| Retained income | 2 573 | 16 | 3 674 | 21 |
| 16 146 | 100 | 17 316 | 100 | |
| * |
Includes non-interest revenue, foreign currency translation gains/losses, non-trading and capital items, and share of profits of associates and joint ventures. |
| ** |
Includes direct and indirect taxation. |
| *** |
Value is allocated to shareholders in respect of cash dividends (does not include the underlying value of capitalisation shares awarded) and income attributable to non-controlling shareholders. |