Ajman Bank PJSC (DFM:AJMANBANK)

Ajman Bank PJSC Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	1,193	1,127	1,172	1,210	673.95	706.37
Interest Paid on Deposits	806.54	750.36	764.95	702.25	287.82	232.05
Net Interest Income	386.93	376.35	407.43	507.79	386.13	474.31
Net Interest Income Growth (YoY)	-1.57%	-7.63%	-19.76%	31.51%	-18.59%	6.76%
Gain (Loss) on Sale of Investments	93.52	93.52	-0.54	-34.93	-96.98	86.9
Other Non-Interest Income	435.31	422.96	325.62	295.94	267.31	94.84
Total Non-Interest Income	528.82	516.48	325.08	261.01	170.33	181.74
Non-Interest Income Growth (YoY)	53.95%	58.88%	24.55%	53.24%	-6.28%	-6.71%
Revenues Before Loan Losses	915.75	892.83	732.51	768.8	556.45	656.06
Provision for Loan Losses	-30.58	-49.72	-73.24	730.02	70.72	267.38
Revenue	946.33	942.55	805.75	38.78	485.73	388.67
Revenue Growth (YoY)	13.22%	16.98%	1977.68%	-92.02%	24.97%	13.71%
Salaries and Employee Benefits	275.79	272.96	251.41	245.58	225.11	196.8
Occupancy Expenses	25.07	23.36	23.44	28.52	26.9	25.05
Selling, General & Administrative	126.3	116.11	94.82	95.88	68.99	62.69
Total Non-Interest Expense	427.15	412.43	369.67	369.98	320.99	284.54
EBT Excluding Unusual Items	519.18	530.12	436.08	-331.2	164.74	104.13
Asset Writedown	18.27	18.27	3.7	-59.16	-2.67	12.03
Pretax Income	537.45	548.39	439.78	-390.36	162.07	116.16
Income Tax Expense	42.53	48.35	39.13	-	-	-
Net Income	494.92	500.04	400.65	-390.36	162.07	116.16
Net Income to Common	494.92	500.04	400.65	-390.36	162.07	116.16
Net Income Growth	15.66%	24.81%	-	-	39.52%	117.52%
Basic Shares Outstanding	2,706	2,704	2,692	2,557	2,449	2,174
Diluted Shares Outstanding	2,706	2,704	2,692	2,557	2,449	2,174
Shares Change (YoY)	0.77%	0.44%	5.28%	4.42%	12.69%	-
EPS (Basic)	0.18	0.18	0.15	-0.15	0.07	0.05
EPS (Diluted)	0.18	0.18	0.15	-0.15	0.07	0.05
EPS Growth	14.77%	24.26%	-	-	23.81%	122.73%
Dividend Per Share	0.092	0.092	0.072	-	-	-
Dividend Growth	26.62%	26.62%	-	-	-	-
Effective Tax Rate	7.91%	8.82%	8.90%	-	-	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.