Arab Bank Group (ASE:ARBK)

Arab Bank Group Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	4,022	4,014	3,660	2,583	2,209	2,068
Interest Income on Investments	8.73	7.88	8.66	8.25	6.09	5.71
Total Interest Income	4,031	4,021	3,668	2,592	2,215	2,074
Interest Paid on Deposits	1,894	1,868	1,622	998.68	858.55	865.31
Net Interest Income	2,138	2,153	2,046	1,593	1,357	1,209
Net Interest Income Growth (YoY)	0.13%	5.24%	28.42%	17.44%	12.22%	-10.35%
Gain (Loss) on Sale of Investments	14.89	6.1	4.61	-24.52	-45.8	-9.42
Gain (Loss) on Sale of Equity Investments	611.23	591.14	509.97	384.49	276.82	296.37
Other Non-Interest Income	721.89	644.6	589.82	547.38	532.14	422.32
Total Non-Interest Income	1,348	1,242	1,104	907.35	763.15	709.26
Non-Interest Income Growth (YoY)	14.12%	12.45%	21.72%	18.90%	7.60%	-19.64%
Revenues Before Loan Losses	3,486	3,395	3,150	2,500	2,120	1,918
Provision for Loan Losses	448.26	490.73	592.28	473.01	560.09	658.33
Revenue	3,037	2,904	2,558	2,027	1,560	1,260
Revenue Growth (YoY)	10.38%	13.54%	26.17%	30.00%	23.80%	-38.34%
Salaries and Employee Benefits	821.64	786.2	717.67	663.57	597.36	509.63
Occupancy Expenses	124.91	117.55	95.78	84.75	83.64	63.35
Selling, General & Administrative	-	-	-	-	-	77.39
Other Non-Interest Expense	582.69	547.8	525.44	428.14	390.15	259.63
Total Non-Interest Expense	1,529	1,452	1,339	1,176	1,071	910
EBT Excluding Unusual Items	1,508	1,453	1,219	850.94	488.43	349.7
Legal Settlements	-7.21	-7.21	-1.95	0.4	-0.33	0.38
Pretax Income	1,501	1,446	1,217	851.35	488.1	350.08
Income Tax Expense	461.2	438.42	387.51	307.05	173.58	154.8
Earnings From Continuing Operations	1,040	1,007	829.64	544.3	314.52	195.28
Minority Interest in Earnings	-40.13	-37.96	-28.94	-24.03	-7.8	-2.49
Net Income	999.48	969.13	800.7	520.28	306.72	192.79
Preferred Dividends & Other Adjustments	34.67	26.84	13.63	13.8	14.4	-
Net Income to Common	964.81	942.29	787.06	506.48	292.32	192.79
Net Income Growth	10.61%	21.04%	53.90%	69.63%	59.09%	-77.18%
Basic Shares Outstanding	641	641	641	641	641	641
Diluted Shares Outstanding	641	641	641	641	641	641
EPS (Basic)	1.51	1.47	1.23	0.79	0.46	0.30
EPS (Diluted)	1.51	1.47	1.23	0.79	0.46	0.30
EPS Growth	9.22%	19.72%	55.40%	73.26%	51.63%	-77.18%
Dividend Per Share	0.560	0.560	0.420	0.350	0.280	0.168
Dividend Growth	33.33%	33.33%	20.00%	25.00%	66.67%	-
Effective Tax Rate	30.73%	30.33%	31.84%	36.07%	35.56%	44.22%

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