DFM:ALRAMZ Income Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	86.35	83.89	71.86	57.44	34.65	27
Total Interest Expense	25.75	28.11	25.72	11.18	5.26	4.94
Net Interest Income	60.6	55.78	46.14	46.26	29.39	22.06
Brokerage Commission	56.52	51.35	27.66	32.76	42.81	43.55
Underwriting & Investment Banking Fee	40.72	38.84	23.64	20.05	37.52	34.03
Gain on Sale of Investments (Rev)	12.5	13.41	2.43	19.61	-6.3	25.25
Revenue Before Loan Losses	170.35	159.38	99.86	118.68	103.42	124.89
Provision for Loan Losses	-	-	0.35	0.16	0.37	3.94
Revenue	170.35	159.38	99.52	118.53	103.05	120.95
Revenue Growth (YoY)	56.83%	60.15%	-16.04%	15.02%	-14.80%	280.52%
Salaries & Employee Benefits	77.88	73.27	50.33	56.99	-	-
Cost of Services Provided	27.92	27.69	25.16	16.25	70.55	66.43
Total Operating Expenses	111.8	106.47	81.92	78.5	70.55	66.43
Operating Income	58.55	52.91	17.6	40.03	32.49	54.52
Pretax Income	58.55	52.91	17.6	40.03	32.49	54.52
Income Tax Expense	4.94	4.65	1.65	0.35	-	-
Net Income	53.62	48.26	15.95	39.67	32.49	54.52
Net Income to Common	53.62	48.26	15.95	39.67	32.49	54.52
Net Income Growth	154.53%	202.53%	-59.79%	22.10%	-40.40%	-
Shares Outstanding (Basic)	550	550	550	550	502	520
Shares Outstanding (Diluted)	550	550	550	550	502	520
Shares Change (YoY)	-	-	-	9.48%	-3.48%	-5.36%
EPS (Basic)	0.10	0.09	0.03	0.07	0.06	0.10
EPS (Diluted)	0.10	0.09	0.03	0.07	0.06	0.10
EPS Growth	154.53%	202.53%	-59.79%	11.52%	-38.25%	-
Free Cash Flow	218.92	198.49	-7.34	-153.82	-48.02	81.15
Free Cash Flow Per Share	0.40	0.36	-0.01	-0.28	-0.10	0.16
Dividend Per Share	0.070	0.070	-	0.060	0.060	0.060
Operating Margin	34.37%	33.20%	17.69%	33.77%	31.53%	45.07%
Profit Margin	31.47%	30.28%	16.03%	33.47%	31.53%	45.07%
Free Cash Flow Margin	128.51%	124.53%	-7.37%	-129.78%	-46.60%	67.09%
Effective Tax Rate	8.43%	8.80%	9.37%	0.88%	-	-