Amlak Finance PJSC Income Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	51.6	20.97	122.26	126.58	156.87
Net Interest Income	51.6	20.97	122.26	126.58	156.87
Commissions and Fees	-	-	3.72	3.51	8.53
Other Revenue	2,973	95.57	16.35	23.73	20.26
Revenue Before Loan Losses	3,024	116.55	142.33	153.81	185.66
Provision for Loan Losses	-	-	-73.71	-128.2	-116.32
Revenue	3,024	116.55	216.04	282.01	301.98
Revenue Growth (YoY)	2494.96%	-46.05%	-23.39%	-6.61%	1648.27%
Cost of Services Provided	905.72	173.61	148.64	105.55	143.79
Other Operating Expenses	-0.21	-2.29	-4.11	-29.79	-5.6
Total Operating Expenses	905.51	171.32	144.53	75.76	138.19
Operating Income	2,119	-54.78	71.51	206.25	163.79
Earnings From Equity Investments	77.79	35.14	-	-	-
Currency Exchange Gain (Loss)	-477.65	-	-	-	-
EBT Excluding Unusual Items	1,665	-90.87	-8.43	97.79	35.09
Gain (Loss) on Sale of Investments	-3.15	-	-	-	-
Other Unusual Items	0.89	47.89	178.84	354.03	1,006
Pretax Income	1,663	-4.74	279.38	477.81	1,060
Income Tax Expense	191.86	-0.36	20.11	1.66	-
Earnings From Continuing Ops.	1,471	-4.38	259.27	476.15	1,060
Earnings From Discontinued Ops.	-0.61	16.87	-	-	-
Net Income to Company	1,470	12.49	259.27	476.15	1,060
Net Income	1,470	12.49	259.27	476.15	1,060
Preferred Dividends & Other Adjustments	2.11	5.4	1.4	0.68	-
Net Income to Common	1,468	7.09	257.87	475.47	1,060
Net Income Growth	11674.13%	-95.18%	-45.55%	-55.06%	-
Shares Outstanding (Basic)	1,500	1,500	1,500	1,500	1,500
Shares Outstanding (Diluted)	1,602	2,080	2,160	2,441	2,778
Shares Change (YoY)	-22.96%	-3.71%	-11.53%	-12.14%	87.24%
EPS (Basic)	0.98	0.00	0.17	0.32	0.71
EPS (Diluted)	0.92	0.00	0.12	0.19	0.38
EPS Growth	19288.47%	-96.06%	-36.84%	-50.00%	-
Free Cash Flow	2,782	269.35	257.58	481.23	471.42
Free Cash Flow Per Share	1.74	0.13	0.12	0.20	0.17
Operating Margin	70.06%	-47.00%	33.10%	73.13%	54.24%
Profit Margin	48.55%	6.08%	119.36%	168.60%	350.90%
Free Cash Flow Margin	92.00%	231.11%	119.23%	170.64%	156.11%
Effective Tax Rate	11.54%	-	7.20%	0.35%	-
Revenue as Reported	3,120	232.98	451.57	551.7	1,209

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.