Amlak Finance PJSC Income Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	143.21	135.01	122.26	126.58	156.87	167.27
Net Interest Income	143.21	135.01	122.26	126.58	156.87	167.27
Commissions and Fees	3.28	3.28	3.72	3.51	8.53	4.63
Gain (Loss) on Sale of Investments	-	-	-	-	-	7.52
Other Revenue	2,976	28.23	16.35	23.73	20.26	42.12
Revenue Before Loan Losses	3,117	166.52	142.33	153.81	185.66	221.53
Provision for Loan Losses	45.55	47.21	-73.71	-128.2	-116.32	204.26
Revenue	3,071	119.31	216.04	282.01	301.98	17.27
Revenue Growth (YoY)	2219.99%	-44.77%	-23.39%	-6.61%	1648.27%	-86.93%
Cost of Services Provided	925.2	118.97	148.64	105.55	143.79	112.01
Other Operating Expenses	-1.69	-2.29	-4.11	-29.79	-5.6	-
Total Operating Expenses	923.51	116.68	144.53	75.76	138.19	112.01
Operating Income	2,148	2.63	71.51	206.25	163.79	-94.74
Earnings From Equity Investments	54.09	-	-	-	-	19.58
EBT Excluding Unusual Items	2,091	-96.73	-8.43	97.79	35.09	-288.15
Gain (Loss) on Sale of Investments	-3.15	-	-	-	-	213.13
Other Unusual Items	44.89	47.89	178.84	354.03	1,006	241.58
Pretax Income	2,231	68.2	279.38	477.81	1,060	-437.98
Income Tax Expense	198.99	15.83	20.11	1.66	-	-
Earnings From Continuing Ops.	2,032	52.37	259.27	476.15	1,060	-437.98
Minority Interest in Earnings	-	-	-	-	-	-13.12
Net Income	1,988	52.37	259.27	476.15	1,060	-451.1
Preferred Dividends & Other Adjustments	-0.88	1.4	1.4	0.68	-	-
Net Income to Common	1,989	50.97	257.87	475.47	1,060	-451.1
Net Income Growth	30444.38%	-79.80%	-45.55%	-55.06%	-	-
Shares Outstanding (Basic)	1,500	1,500	1,500	1,500	1,500	1,484
Shares Outstanding (Diluted)	2,183	2,080	2,160	2,441	2,778	1,484
Shares Change (YoY)	32.67%	-3.71%	-11.53%	-12.14%	87.24%	0.59%
EPS (Basic)	1.33	0.03	0.17	0.32	0.71	-0.30
EPS (Diluted)	0.91	0.03	0.12	0.19	0.38	-0.30
EPS Growth	64506.10%	-79.17%	-36.84%	-50.00%	-	-
Free Cash Flow	2,966	231.07	257.58	481.23	471.42	76.36
Free Cash Flow Per Share	1.36	0.11	0.12	0.20	0.17	0.05
Operating Margin	69.93%	2.21%	33.10%	73.13%	54.24%	-548.46%
Profit Margin	64.75%	42.72%	119.36%	168.60%	350.90%	-2611.61%
Free Cash Flow Margin	96.56%	193.67%	119.23%	170.64%	156.11%	442.05%
Effective Tax Rate	8.92%	23.22%	7.20%	0.35%	-	-
Revenue as Reported	3,351	346.88	451.57	551.7	1,209	-70.79

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