Finance House P.J.S.C. Income Statement

Financials in millions AED. Fiscal year is January - December.

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	275.36	281.38	229.05	206.2	205.95	241.5
Total Interest Expense	98.07	98.56	82.97	54.56	42.62	55.98
Net Interest Income	177.29	182.82	146.08	151.64	163.34	185.52
Commissions and Fees	36.61	30.66	28.99	31.08	29.25	36.66
Other Revenue	-13.59	-28.85	-43.44	-26.5	51.6	56.62
Revenue Before Loan Losses	200.31	184.64	131.63	156.22	244.18	278.79
Provision for Loan Losses	42.16	47.36	22.23	38.29	53.09	74.1
Revenue	158.16	137.28	109.39	117.93	191.09	204.69
Revenue Growth (YoY)	27.97%	25.49%	-7.24%	-38.29%	-6.64%	-11.02%
Salaries & Employee Benefits	87.32	91.67	91	86.25	102.85	121.95
Cost of Services Provided	56.73	50.12	54.37	54.87	74.51	67.94
Other Operating Expenses	-17.1	-21.88	-57.75	-23.93	-25.38	-21.61
Total Operating Expenses	138.95	130.32	94.19	124.99	165.43	183.49
Operating Income	19.21	6.96	15.21	-7.06	25.66	21.21
Earnings From Equity Investments	2.05	1.3	-0.4	-4.27	-2.91	-0.31
EBT Excluding Unusual Items	21.26	8.26	14.81	-11.33	22.76	20.9
Pretax Income	21.26	8.26	14.81	-11.33	22.76	20.9
Income Tax Expense	1.78	0.77	-	-	-	-
Earnings From Continuing Ops.	19.48	7.49	14.81	-11.33	22.76	20.9
Minority Interest in Earnings	-1.48	8.2	21.18	13.24	-7.27	-6.94
Net Income	18.01	15.68	35.98	1.92	15.48	13.97
Preferred Dividends & Other Adjustments	19.99	19.34	21.86	18.96	19.26	20.82
Net Income to Common	-1.98	-3.66	14.12	-17.04	-3.78	-6.85
Net Income Growth	-28.65%	-56.41%	1778.08%	-87.63%	10.88%	2.74%
Shares Outstanding (Basic)	271	271	273	281	281	299
Shares Outstanding (Diluted)	271	271	273	281	281	299
Shares Change (YoY)	0.46%	-0.63%	-2.99%	-0.11%	-5.91%	-
EPS (Basic)	-0.01	-0.01	0.05	-0.06	-0.01	-0.02
EPS (Diluted)	-0.01	-0.01	0.05	-0.06	-0.01	-0.02
Free Cash Flow	575.03	71.27	-375.93	307.41	-56.21	-276.42
Free Cash Flow Per Share	2.12	0.26	-1.38	1.09	-0.20	-0.93
Dividend Per Share	-	-	-	-	-	0.010
Operating Margin	12.15%	5.07%	13.90%	-5.99%	13.43%	10.36%
Profit Margin	-1.25%	-2.66%	12.91%	-14.45%	-1.98%	-3.35%
Free Cash Flow Margin	363.59%	51.91%	-343.65%	260.68%	-29.42%	-135.04%
Effective Tax Rate	8.36%	9.31%	-	-	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.