Al Salam Bank B.S.C. (BAX:SALAM)

Al Salam Bank B.S.C. Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	393.75	380.38	332.83	222.76	129.94	98.78
Total Interest Income	393.75	380.38	332.83	222.76	129.94	98.78
Interest Paid on Deposits	54.19	-	-	-	-	-
Interest Paid on Borrowings	15.02	59.02	45.61	33.96	11	7.03
Total Interest Expense	69.21	59.02	45.61	33.96	11	7.03
Net Interest Income	324.54	321.36	287.22	188.8	118.94	91.75
Net Interest Income Growth	1.86%	11.89%	52.13%	58.74%	29.63%	8.55%
Gain (Loss) on Sale of Assets	-	-	-	-	-0.02	0.17
Gain (Loss) on Sale of Investments	-0.81	-	-	-9.13	2.51	-0.05
Gain (Loss) on Sale of Equity Investments	22.46	21.42	18.17	21.04	9.33	2.7
Other Non-Interest Income	40.63	42.44	41.06	29.03	-34.15	-28.06
Total Non-Interest Income	62.28	63.86	59.23	40.94	-22.34	-25.25
Non-Interest Income Growth	2.23%	7.82%	44.67%	-	-	-
Revenues Before Loan Losses	386.82	385.23	346.45	229.74	96.6	66.5
Provision for Loan Losses	28.86	35.91	21.17	22.99	12.68	12.51
Revenue	357.96	349.31	325.28	206.75	83.91	53.99
Revenue Growth	4.20%	7.39%	57.33%	146.38%	55.44%	32.02%
Salaries and Employee Benefits	48.44	46.69	44.35	31.77	23.56	17.03
Occupancy Expenses	12.88	12.88	8.06	4.32	2.29	1.28
Selling, General & Administrative	4.74	4.74	4.49	3.42	1.99	1.87
Other Non-Interest Expense	193	192.48	191.99	130.12	22.8	12.82
Total Non-Interest Expense	259.06	256.79	248.88	169.62	50.64	33
EBT Excluding Unusual Items	98.9	92.52	76.4	37.13	33.27	20.99
Asset Writedown	-	-	-	-	-0.2	-0.11
Other Unusual Items	-	-	-	15.56	-	0.35
Pretax Income	98.9	92.52	76.4	52.69	33.07	21.22
Income Tax Expense	5.62	7.06	6.9	4.51	-	-
Earnings From Continuing Operations	93.29	85.46	69.5	48.18	33.07	21.22
Minority Interest in Earnings	-11.68	-8.63	-10.49	-5.95	-1.48	0.14
Net Income	88.7	76.83	59.01	42.23	31.59	21.37
Preferred Dividends & Other Adjustments	11.01	11.01	4.01	-	-	-
Net Income to Common	77.7	65.83	55	42.23	31.59	21.37
Net Income Growth	9.65%	19.68%	30.26%	33.66%	47.86%	133.72%
Basic Shares Outstanding	3,076	3,102	3,071	2,988	2,990	3,093
Diluted Shares Outstanding	3,076	3,102	3,071	2,988	2,990	3,093
Shares Change	-7.45%	1.01%	2.79%	-0.05%	-3.35%	0.85%
EPS (Basic)	0.03	0.02	0.02	0.01	0.01	0.01
EPS (Diluted)	0.03	0.02	0.02	0.01	0.01	0.01
EPS Growth	18.47%	18.48%	26.73%	33.73%	52.97%	131.81%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.007	0.007	0.005	0.006	0.004	0.003
Dividend Growth	44.23%	44.23%	-10.35%	48.72%	30.00%	-16.67%
Effective Tax Rate	5.68%	7.63%	9.03%	8.56%	-	-

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 13, 2026

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