DFM:EIBANK 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 Income on Loans	98.16	121.63	115.42	53.7	36.01	40.19
Interest Paid on Deposits	73.43	89.03	59.23	35.55	28.25	31.11
Net Interest Income	24.72	32.61	56.18	18.15	7.76	9.08
Net Interest Income Growth (YoY)	-41.26%	-41.97%	209.54%	133.89%	-14.55%	-18.77%
Gain (Loss) on Sale of Investments	-24.37	-3.49	-10.35	-2.12	14.55	-14.1
Other Non-Interest Income	176.5	181.34	115.54	85.37	72.1	63.9
Total Non-Interest Income	152.13	177.85	105.19	83.25	86.64	49.8
Non-Interest Income Growth (YoY)	-7.79%	69.08%	26.35%	-3.92%	73.97%	-54.34%
Revenues Before Loan Losses	176.85	210.46	161.37	101.4	94.4	58.89
Provision for Loan Losses	-18.68	1.87	-23.08	54.53	-4.51	17.73
Revenue	195.53	208.58	184.45	46.87	98.91	41.16
Revenue Growth (YoY)	-5.23%	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	17.56	21.85	14.36	13.83	12.54	14.34
Total Non-Interest Expense	84.25	88.54	76.91	70.54	68.3	70.48
EBT Excluding Unusual Items	111.28	120.05	107.54	-23.67	30.62	-29.32
Pretax Income	111.28	120.05	107.54	-23.67	30.62	-29.32
Income Tax Expense	14.21	11.34	-	-	-	-
Earnings From Continuing Operations	97.07	108.71	107.54	-23.67	30.62	-29.32
Net Income	97.07	108.71	107.54	-23.67	30.62	-29.32
Net Income to Common	97.07	108.71	107.54	-23.67	30.62	-29.32
Net Income Growth	-12.42%	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)	9.71	10.87	14.62	-6.48	8.75	-8.38
EPS (Diluted)	9.71	10.87	14.62	-6.48	8.75	-8.38
EPS Growth	-12.42%	-25.64%	-	-	-	-
Effective Tax Rate	12.77%	9.44%	-	-	-	-

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