| Financial Year Ended 31 December | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|
| No. of Months | 12 months Unaudited |
12 months Audited |
12 months Audited |
12 months Audited |
12 months Audited |
| Income derived from investment of depositors' funds | 3,263,158 | 2,585,912 | 2,260,072 | 2,504,013 | 2,757,704 |
| Income derived from investment account funds | 716,208 | 587,924 | 497,538 | 513,934 | 395,664 |
| Income derived from investment of shareholders' funds | 549,964 | 402,459 | 458,750 | 460,059 | 490,882 |
| Net allowance for impairment on financing and advances, net of recoveries | (175,263) | (140,032) | (190,738) | (208,671) | (83,688) |
| Loss on modification of financial assets | - | - | (48,911) | (136,380) | - |
| Net allowance for impairment on other financial assets | (3,698) | 959 | (7,406) | 2,757 | (3,760) |
| Direct expenses | (18,596) | (11,414) | (10,938) | (13,660) | (16,444) |
| Total distributable income | 4,331,773 | 3,425,808 | 2,958,367 | 3,122,052 | 3,540,358 |
| Wakalah fees from restricted investment accounts | 11 | 59 | 308 | 576 | 446 |
| Income attributable to depositors | (1,701,718) | (1,072,342) | (818,688) | (1,006,479) | (1,376,324) |
| Income attributable to investment account holders | (350,469) | (194,066) | (160,127) | (222,026) | (175,621) |
| Total net income | 2,279,597 | 2,159,459 | 1,979,860 | 1,894,123 | 1,988,859 |
| Personnel expenses | (861,251) | (821,955) | (723,830) | (663,367) | (662,393) |
| Other overhead expenses | (559,968) | (483,467) | (461,922) | (411,085) | (395,006) |
| 858,378 | 854,037 | 794,108 | 819,671 | 931,460 | |
| Finance cost | (111,549) | (107,171) | (89,887) | (91,458) | (87,980) |
| Profit before zakat and tax | 746,829 | 746,866 | 704,221 | 728,213 | 843,480 |
| Zakat | (11,544) | (13,682) | (12,275) | (11,770) | (11,000) |
| Tax expense | (182,235) | (241,512) | (157,641) | (151,489) | (204,871) |
| Profit for the period/year | 553,050 | 491,672 | 534,305 | 564,954 | 627,609 |
| Other comprehensive income, net of tax: | |||||
| Items that are or may be reclassified subsequently to profit or loss | |||||
| Currency translation differences in respect of foreign operations | (2,997) | 11,076 | (14,774) | 7,198 | 4,129 |
| Movement in fair value reserve (debt instruments): | |||||
| Net change in fair value | 274,346 | (101,101) | (303,103) | 248,060 | 324,742 |
| Changes in expected credit losses | (4,142) | (3,975) | (6,834) | (138) | 37 |
| Net amount transferred to profit or loss | (62,731) | (1,181) | (87,903) | (271,311) | (96,607) |
| Movement in fair value reserve (available-for-sale): | |||||
| Net change in fair value | - | - | - | - | - |
| Net amount transferred to profit or loss | - | - | - | - | - |
| Income tax effect relating to components of other comprehensive income | (49,680) | 26,171 | 94,671 | 5,492 | (53,040) |
| Items that will not be reclassified to profit or loss | |||||
| Movement in fair value reserve (equity instruments): | |||||
| Net change in fair value | 13,743 | (1,495) | 13,583 | 16,992 | 11,441 |
| Other comprehensive income for the period/year, net of tax | 168,539 | (70,505) | (304,360) | 6,293 | 190,702 |
| Total comprehensive income for the period/year | 721,589 | 421,167 | 229,945 | 571,247 | 818,311 |
| Earnings per share (sen) | 24.57 | 22.86 | 21.87 | 22.19 | 25.00 |