Emirates Investment Bank P.J.S.C. (DFM:EIBANK)

DFM:EIBANK Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	103.92	121.63	115.42	53.7	36.01	40.19
Interest Paid on Deposits	81.12	89.03	59.23	35.55	28.25	31.11
Net Interest Income	22.8	32.61	56.18	18.15	7.76	9.08
Net Interest Income Growth (YoY)	-59.34%	-41.97%	209.54%	133.89%	-14.55%	-18.77%
Gain (Loss) on Sale of Investments	-4.21	-3.49	-10.35	-2.12	14.55	-14.1
Other Non-Interest Income	179.54	181.34	115.54	85.37	72.1	63.9
Total Non-Interest Income	175.33	177.85	105.19	83.25	86.64	49.8
Non-Interest Income Growth (YoY)	17.94%	69.08%	26.35%	-3.92%	73.97%	-54.34%
Revenues Before Loan Losses	198.13	210.46	161.37	101.4	94.4	58.89
Provision for Loan Losses	3.74	1.87	-23.08	54.53	-4.51	17.73
Revenue	194.4	208.58	184.45	46.87	98.91	41.16
Revenue Growth (YoY)	-4.49%	13.08%	293.54%	-52.62%	140.32%	-57.21%
Salaries and Employee Benefits	61.9	61.9	57.68	52.04	50.34	49.75
Occupancy Expenses	4.43	4.43	4.47	4.41	5.25	5.94
Amortization of Goodwill & Intangibles	0.36	0.36	0.4	0.26	0.16	0.46
Selling, General & Administrative	16.97	21.85	14.36	13.83	12.54	14.34
Total Non-Interest Expense	83.66	88.54	76.91	70.54	68.3	70.48
EBT Excluding Unusual Items	110.73	120.05	107.54	-23.67	30.62	-29.32
Pretax Income	110.73	120.05	107.54	-23.67	30.62	-29.32
Income Tax Expense	13.08	11.34	-	-	-	-
Earnings From Continuing Operations	97.66	108.71	107.54	-23.67	30.62	-29.32
Net Income	97.66	108.71	107.54	-23.67	30.62	-29.32
Net Income to Common	97.66	108.71	107.54	-23.67	30.62	-29.32
Net Income Growth	-13.78%	1.09%	-	-	-	-
Basic Shares Outstanding	10	10	7	4	4	4
Diluted Shares Outstanding	10	10	7	4	4	4
Shares Change (YoY)	-	35.94%	101.25%	4.44%	-	-
EPS (Basic)	9.77	10.87	14.62	-6.48	8.75	-8.38
EPS (Diluted)	9.77	10.87	14.62	-6.48	8.75	-8.38
EPS Growth	-13.78%	-25.64%	-	-	-	-
Effective Tax Rate	11.81%	9.44%	-	-	-	-

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