1999 $'000	1998 $'000
Operating Activities
Operating profit before interest	334,485	302,680
Depreciation	27,903	26,384
Loss on disposal of fixed assets	2,150	257
Increase in creditors	11,940	14,727
(Decrease) in amounts due to related parties	(1,831)	(68,724)
Increase in customers' deposits	67,062	94,851
Increase in deferred revenue	10,095	17,950
(Increase) in debtors	(7,551)	(10,879)
Decrease in amounts due from related parties	63,555	122,538
(Increase)/Decrease in stocks and work in progress	(16,549)	9,669
Net cash inflow	491,259	509,453
Interest Income and Servicing of Finance
(Increase) in debtors	(7,551)	(10,879)
Interest received	62,965	34,396
Interest paid	(26,058)	(32,001)
Dividend paid	(78,462)	(44,735)
Taxation paid	(76,590)	(30,704)
Net cash (outflow)	(118,145)	(73,044)
Investing Activities
Net (increase) in placements with banks (other than cash equivalents)	(189,000)	(111,000)
Net cash (outflow)	(189,000)	(111,000)
Capital Expenditure
Sale proceeds of fixed assets	284	-
Acquisition of fixed assets	(13,612)	(3,757)
Net cash (outflow)	(13,328)	(3,757)
Capital Payments
Loan repayment	(30,280)	(135,280)
Net cash (outflow)	(30,280)	(135,280)
Total net cash inflow for year	140,506	186,372
Cash and cash equivalents at beginning of year	552,633	366,261
Cash and cash equivalents at end of year (note 19)	693,139	552,633