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Profit & Loss Components	YTD Dec 2019 ('000)	YTD Dec 2018 ('000)	Change
net interest income & income from Islamic financing	316,972	304,289	4.17%
other operating income	155,199	142,447	8.95%
total operating income	472,171	446,736	5.96%
operating expenses	(195,931)	(190,343)	2.94%
net profit after tax	185,550	179,633	3.29%
basic earnings per share (for the period)	0.060	0.059	0.001
Balance Sheet Components	As at 31st Dec 19	As at 31st Dec 18	Change
net loans & advances / financing receivables	8,878,041	8,938,915	-0.68%
customer deposits / Islamic customers' deposits	8,043,666	8,462,685	-4.95%
total equity	2,002,636	1,927,742	3.89%
capital adequacy ratio - as per Basel III	19.81%	19.38%	0.43%