DFM:EIBANK 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 Income on Loans	92.66	121.63	115.42	53.7	36.01
Interest Paid on Deposits	68.45	89.03	59.23	35.55	28.25
Net Interest Income	24.21	32.61	56.18	18.15	7.76
Net Interest Income Growth (YoY)	-25.75%	-41.97%	209.54%	133.89%	-14.55%
Gain (Loss) on Sale of Investments	-23.74	-3.49	-10.35	-2.12	14.55
Other Non-Interest Income	170.03	181.34	115.54	85.37	72.1
Total Non-Interest Income	146.29	177.85	105.19	83.25	86.64
Non-Interest Income Growth (YoY)	-17.75%	69.08%	26.35%	-3.92%	73.97%
Revenues Before Loan Losses	170.5	210.46	161.37	101.4	94.4
Provision for Loan Losses	-18.21	1.87	-23.08	54.53	-4.51
Revenue	188.71	208.58	184.45	46.87	98.91
Revenue Growth (YoY)	-9.53%	13.08%	293.54%	-52.62%	140.32%
Salaries and Employee Benefits	62.61	61.9	57.68	52.04	50.34
Occupancy Expenses	5.79	4.43	4.47	4.41	5.25
Amortization of Goodwill & Intangibles	0.34	0.36	0.4	0.26	0.16
Selling, General & Administrative	25.15	21.85	14.36	13.83	12.54
Total Non-Interest Expense	93.89	88.54	76.91	70.54	68.3
EBT Excluding Unusual Items	94.82	120.05	107.54	-23.67	30.62
Pretax Income	94.82	120.05	107.54	-23.67	30.62
Income Tax Expense	11.17	11.34	-	-	-
Earnings From Continuing Operations	83.65	108.71	107.54	-23.67	30.62
Net Income	83.65	108.71	107.54	-23.67	30.62
Net Income to Common	83.65	108.71	107.54	-23.67	30.62
Net Income Growth	-23.06%	1.09%	-	-	-
Basic Shares Outstanding	10	10	7	4	4
Diluted Shares Outstanding	10	10	7	4	4
Shares Change (YoY)	-	35.94%	101.25%	4.44%	-
EPS (Basic)	8.36	10.87	14.62	-6.48	8.75
EPS (Diluted)	8.36	10.87	14.62	-6.48	8.75
EPS Growth	-23.06%	-25.64%	-	-	-
Effective Tax Rate	11.78%	9.44%	-	-	-

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