Given the increased level of total assets of SAR 452,177 to SAR 507, 264 million during 2018-2019, the total liabilities also increased from SAR 386,508 to SAR 437,476 million and subsequent decrease in operating expenses from SAR 8,082 in 2018 to SAR 7,751 in 2019, what is the likely impact on the overall profitability ratio of the National Commercial Bank?

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