Financial Year Ended 31 December 2019 2018 2017 2016 2015
No. of Months 6 12 12 12 12
Actual / Restated Unaudited Actual Actual Actual Actual
  RM'000 RM'000 RM'000 RM'000 RM'000
Income derived from investment of depositors' funds 1,394,606 2,601,825 2,324,187 2,342,204 2,203,683
Income derived from investment account funds 170,426 242,823 237,192 102,281 16,793
Income derived from investment of shareholders' funds 234,230 477,510 437,429 401,197 446,294
Net income from Takaful business 539,610 879,834 720,195 677,188 643,437
Net allowance for impairment on financing and advances, net of recoveries (52,818) (81,454) 15,613 (92,105) (69,331)
Net allowance for impairment on debt securities 21 - - - -
Net allowance for impairment on other financial assets (4,147) 43 (243) 353 (4,488)
Direct expenses (7,768) (17,870) (18,421) (20,387) (22,911)
Total distributable income 2,274,160 4,102,711 3,715,952 3,410,731 3,213,477
Wakalah fees from restricted investment accounts 233 485 2,595 5,328 400
Income attributable to depositors (689,189) (1,279,638) (1,094,433) (1,061,413) (1,018,145)
Income attributable to investment account holders (71,290) (79,467) (95,447) (26,775) (2,743)
Total net income 1,513,914 2,744,091 2,528,667 2,327,871 2,192,989
Personnel expenses (391,072) (765,742) (729,771) (673,757) (625,869)
Other overhead expenses (433,815) (769,386) (735,171) (674,404) (649,289)
  689,027 1,208,963 1,063,725 979,710 917,831
Finance cost (68,423) (143,508) (115,395) (110,509) (83,395)
Profit before zakat and tax 620,604 1,065,455 948,330 869,201 834,436
Zakat (8,214) (14,689) (14,459) (13,517) (9,170)
Tax expense (142,572) (249,345) (230,241) (226,020) (212,319)
Profit for the period/year 469,818 801,421 703,630 629,664 612,947
           
Other comprehensive income, net of tax
Items that will not be reclassified subsequently to profit or loss:
         
Remeasurement of defined benefit liabilities - (302) (315) 1,968 (2,368)
Movement in fair value reserve (equity instrument):          
Net change in fair value 11,707 (5,166) - - -
Items that may be reclassified subsequently to profit or loss:          
Currency translation differences in respect of foreign operations 579 (11,112) 41,123 (19,036) (79,883)
Fair value reserve:          
  Net change in fair value - - 50,390 16,271 16,370
  Net amount transferred to profit or loss - - (7,148) (49,761) (17,426)
Movement in fair value reserve (debt securities):          
  Net change in fair value 246,715 51,190 - - -
  Net allowance for impairment on debt securities 21 - - - -
  Net amount transferred to profit or loss (44,342) (27,725) - - -
Income tax effect relating to components of other comprehensive income (43,199) (3,633) (8,958) 8,645 7,280
Other comprehensive income for the period/year, net of tax 171,481 3,252 75,092 (41,913) (76,027)
Total comprehensive income for the period/year 641,299 804,673 778,722 587,751 536,920
 
Attributable to:          
Owners of the Company 397,678 682,055 619,838 559,040 547,275
Non-controlling interests 72,140 119,366 83,792 70,624 65,672
Profit for the period/year 469,818 801,421 703,630 629,664 612,947
           
Total comprehensive income attributable to:          
Owners of the Company 562,460 685,952 693,718 518,259 470,566
Non-controlling interests 78,839 118,721 85,004 69,492 66,354
Total comprehensive income for the period/year 641,299 804,673 778,722 587,751 536,920
           
Earnings per share (sen) 22.69 40.36 37.94 35.25 35.53
Dividend per ordinary share-net (sen) - 15.50 14.00 13.00 12.20