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Profit & Loss Components	YTD Dec 2018 ('000)	YTD Dec 2017 ('000)	Change
net interest income & Income from Islamic financing	304,289	281,346	8.15%
other operating income	142,447	154,620	-7.87%
total operating income	446,736	435,966	2.47%
operating expenses	(190,343)	(184,079)	3.40%
net profit after tax	179,633	176,818	1.59%
basic earnings per share (for the period)	0.061	0.061	0.000
balance sheet components	As at 31st Dec 18 ('000)	As at 31st Dec 17 ('000)	Change
net loans & advances/financing receivables	8,938,915	8,328,716	7.33%
customer deposits/islamic customers deposits	8,462,685	7,419,312	14.06%
total equity	1,927,742	1,818,333	6.02%
capital adequacy ratio - as per Basel III	19.38%	18.45%	0.93%