Financial results

2019 £’000 1H20 £’000 (unaudited)
Interest income 3,941 2,745
Interest expense -271 -91
Net interest 3,669 2,654
ECL -232 -717
Net interest after ECL 3,437 1,938
FX on debenture 95 -96
Other income 791 -848
Operating income 4,324 994
Staff costs -2,006 -965
Other operating costs -3,209 -1,374
PBT -892 -1,345
TAX - 11
PAT -892 -1,335