Operating income grew to MYR1.81bn, an increase of MYR164m or 10% compared with the same period in 2009.

Loan impairment charges and other credit risk provisions decreased by MYR39m or 19.3% to MYR165m for the nine months ended 30 September 2010, compared with the same period in 2009.

The cost efficiency ratio for the nine months ended 30 September 2010 improved to 46.6% from 48.8% for the corresponding period in 2009.

Total assets of MYR59.5bn at 30 September 2010 were up 8% from MYR55.1bn at 31 December 2009.

The core capital ratio and risk-weighted capital ratio (net of proposed dividends) were 9.8% and 14.2% respectively at 30 September 2010, compared with 10.2% and 14.8% respectively at 30 September 2009.