| Operations |
|
|
|
|
|
| Total income (1) |
2,892 |
2,906 |
2,824 |
2,792 |
2,557 |
| Total expense (2) |
1,214 |
1,234 |
1,133 |
1,059 |
1,051 |
| Operating profit before provisions |
1,678 |
1,672 |
1,691 |
1,733 |
1,506 |
| Provisions for credit and other losses |
449 |
1,343 |
247 |
322 |
453 |
| Provisions for Zakat and Income Tax (3) |
249 |
90 |
868 |
– |
– |
| Net income |
980 |
239 |
576 |
1,411 |
1,053 |
| Financial position |
|
|
|
|
|
| Total assets |
99,885 |
100,815 |
96,070 |
93,796 |
93,047 |
| Loans and advances, net |
55,074 |
57,112 |
59,413 |
59,588 |
60,249 |
| Investments |
30,514 |
26,175 |
24,638 |
21,714 |
21,448 |
| Investments in associates |
846 |
994 |
1,012 |
1,020 |
1,000 |
| Term loans |
2,006 |
2,012 |
2,030 |
2,015 |
2,032 |
| Subordinated debt |
– |
– |
2,006 |
2,003 |
2,002 |
| Customer deposits |
60,144 |
69,058 |
63,690 |
66,943 |
65,640 |
| Shareholders’ equity |
13,331 |
12,007 |
11,621 |
13,494 |
12,834 |
| Tier I Sukuk |
2,000 |
2,000 |
1,785 |
785 |
500 |
| Total equity |
15,331 |
14,007 |
13,406 |
14,279 |
13,334 |
| Key ratios |
|
|
|
|
|
| Return on average Shareholders’ equity (%) |
7.73 |
2.03 |
4.73 |
10.72 |
8.54 |
| Return on average assets (%) |
0.98 |
0.24 |
0.61 |
1.51 |
1.13 |
| Capital adequacy (%) |
21.21 |
18.26 |
19.31 |
20.38 |
18.93 |
| Equity to total assets (%) |
15.35 |
13.89 |
13.95 |
15.22 |
14.33 |
