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	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	251.87	281.38	229.05	206.2	205.95
Total Interest Expense	94.7	98.56	82.97	54.56	42.62
Net Interest Income	157.17	182.82	146.08	151.64	163.34
Commissions and Fees	36.01	30.66	28.99	31.08	29.25
Other Revenue	-7.72	-28.85	-43.44	-26.5	51.6
Revenue Before Loan Losses	185.46	184.64	131.63	156.22	244.18
Provision for Loan Losses	33.38	47.36	22.23	38.29	53.09
Revenue	152.08	137.28	109.39	117.93	191.09
Revenue Growth (YoY)	10.78%	25.49%	-7.24%	-38.29%	-6.64%
Salaries & Employee Benefits	86.93	91.67	91	86.25	102.85
Cost of Services Provided	54.93	50.12	54.37	54.87	74.51
Other Operating Expenses	-20.35	-21.88	-57.75	-23.93	-25.38
Total Operating Expenses	134.34	130.32	94.19	124.99	165.43
Operating Income	17.74	6.96	15.21	-7.06	25.66
Earnings From Equity Investments	2.49	1.3	-0.4	-4.27	-2.91
EBT Excluding Unusual Items	20.23	8.26	14.81	-11.33	22.76
Pretax Income	20.23	8.26	14.81	-11.33	22.76
Income Tax Expense	2.48	0.77	-	-	-
Earnings From Continuing Ops.	17.75	7.49	14.81	-11.33	22.76
Minority Interest in Earnings	-5.55	8.2	21.18	13.24	-7.27
Net Income	12.2	15.68	35.98	1.92	15.48
Preferred Dividends & Other Adjustments	20.98	19.34	21.86	18.96	19.26
Net Income to Common	-8.78	-3.66	14.12	-17.04	-3.78
Net Income Growth	-22.22%	-56.41%	1778.08%	-87.63%	10.88%
Shares Outstanding (Basic)	271	271	273	281	281
Shares Outstanding (Diluted)	271	271	273	281	281
Shares Change (YoY)	-	-0.63%	-2.99%	-0.11%	-5.91%
EPS (Basic)	-0.03	-0.01	0.05	-0.06	-0.01
EPS (Diluted)	-0.03	-0.01	0.05	-0.06	-0.01
Free Cash Flow	819.07	71.27	-375.93	307.41	-56.21
Free Cash Flow Per Share	3.02	0.26	-1.38	1.09	-0.20
Operating Margin	11.67%	5.07%	13.90%	-5.99%	13.43%
Profit Margin	-5.78%	-2.66%	12.91%	-14.45%	-1.98%
Free Cash Flow Margin	538.58%	51.91%	-343.65%	260.68%	-29.42%
Effective Tax Rate	12.27%	9.31%	-	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.