The total capital charge is calculated as the three-year average of the simple summation of the regulatory capital charges across each of the business lines in each year. In any given year, negative capital charges (resulting from negative gross income) in any business line cannot offset positive capital charges in other business lines. Where the aggregate capital charge across all business lines within a given year is negative, then the input to the numerator for that year will be zero. If negative gross income distorts an Islamic bank licensee's Pillar 1 capital charge, the CBB will follow the approaches outlined in Paragraph CA-6.2.5. The total capital charge may be expressed as:

K_TSA = {∑ _{years 1-3} max[(GI_1-8 Xβ_1-8, 0]}/3

where:

K_TSA = the capital charge under the Standardised Approach
GI _1-8 = annual gross income in a given year, as defined above in the Basic Indicator Approach, for each of the eight business lines
β_1-8 = a fixed percentage, relating the level of required capital to the level of the gross income for each of the eight business lines.
The values of the betas are detailed below.