Bindar for Islamic Finance Company (ASE:BIND)

ASE:BIND Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	15.27	14.85	11.98	11.48	6.57	5.38
Total Interest Expense	7.12	6.54	4.86	3.22	1.96	1.36
Net Interest Income	8.15	8.31	7.12	8.26	4.61	4.02
Other Revenue	4.13	3.98	3.24	-	1.06	1.09
Revenue Before Loan Losses	12.28	12.28	10.36	8.26	5.67	5.11
Provision for Loan Losses	-0.23	0.37	0.25	-	-0.07	0.38
Revenue	12.51	11.91	10.11	8.26	5.74	4.73
Revenue Growth (YoY)	5.55%	17.78%	22.44%	43.98%	21.35%	2.34%
Salaries & Employee Benefits	1.59	1.49	1.66	1.52	1.08	1.03
Cost of Services Provided	0.06	0.06	0.09	1.28	0.59	0.51
Other Operating Expenses	1.3	1.09	1.11	-	-0.75	-0.47
Total Operating Expenses	3.24	2.86	3.03	2.8	1.1	1.23
Operating Income	9.26	9.05	7.08	5.46	4.64	3.5
EBT Excluding Unusual Items	9.26	9.05	7.08	9.96	4.65	3.51
Pretax Income	9.27	9.05	7.07	9.92	4.72	3.49
Income Tax Expense	2.6	2.55	1.82	1.76	1.32	1
Net Income	6.66	6.5	5.25	8.16	3.41	2.5
Net Income to Common	6.66	6.5	5.25	8.16	3.41	2.5
Net Income Growth	2.97%	23.77%	-35.64%	139.61%	36.43%	-1.81%
Shares Outstanding (Basic)	25	25	25	20	20	20
Shares Outstanding (Diluted)	25	25	25	20	20	20
Shares Change (YoY)	-0.03%	-	26.03%	-	-	-0.11%
EPS (Basic)	0.26	0.26	0.21	0.41	0.17	0.12
EPS (Diluted)	0.26	0.26	0.21	0.41	0.17	0.12
EPS Growth	3.01%	23.77%	-48.94%	139.61%	36.43%	-1.71%
Free Cash Flow	-8.18	-5.06	-16.72	-1.54	-9.39	-11.43
Free Cash Flow Per Share	-0.33	-0.20	-0.66	-0.08	-0.47	-0.57
Operating Margin	74.06%	75.98%	70.00%	66.10%	80.90%	74.02%
Profit Margin	53.27%	54.59%	51.95%	98.83%	59.38%	52.82%
Free Cash Flow Margin	-65.42%	-42.52%	-165.37%	-18.68%	-163.77%	-241.85%
Effective Tax Rate	28.10%	28.17%	25.74%	17.75%	27.91%	28.57%
Revenue as Reported	19.4	18.83	15.22	-	8.38	6.94

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