Arab Islamic Bank P.L.C. Income Statement

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

Millions USD. 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	-	-	-	64.01	59.52	49.3
Interest Paid on Deposits	-	-	-	8.7	12.61	11.83
Net Interest Income	73.37	71.35	69.71	55.31	46.92	37.47
Net Interest Income Growth (YoY)	2.08%	2.35%	26.03%	17.90%	25.22%	1.26%
Gain (Loss) on Sale of Assets	-	-	-	1.36	-	-
Gain (Loss) on Sale of Investments	2.16	0.44	0.23	0.01	0.28	0.37
Other Non-Interest Income	14.1	13.22	14.93	13.83	12.05	9.09
Total Non-Interest Income	16.26	13.66	15.16	15.2	12.34	9.46
Non-Interest Income Growth (YoY)	24.70%	-9.86%	-0.25%	23.17%	30.39%	6.46%
Revenues Before Loan Losses	89.63	85.01	84.87	70.51	59.25	46.93
Provision for Loan Losses	28.07	31.88	24.66	9.28	5.29	4.02
Revenue	61.56	53.13	60.2	61.23	53.97	42.91
Revenue Growth (YoY)	24.05%	-11.74%	-1.67%	13.46%	25.78%	-3.00%
Salaries and Employee Benefits	18.35	19.48	19.54	17.62	15.02	13.86
Occupancy Expenses	4.67	4.71	4.66	4.74	4.7	4.42
Selling, General & Administrative	2.41	2.65	2.49	2.08	1.85	2.03
Other Non-Interest Expense	30.66	26.92	26.6	14.46	12.78	11.63
Total Non-Interest Expense	56.09	53.76	53.28	38.91	34.35	31.94
EBT Excluding Unusual Items	5.47	-0.62	6.92	22.32	19.62	10.96
Asset Writedown	-	-0.3	-0.36	-0.4	-1.04	-
Pretax Income	5.47	-0.92	6.56	21.92	18.58	10.96
Income Tax Expense	-0.67	-2.05	1.04	8.84	6.89	2.95
Net Income	6.14	1.12	5.52	13.08	11.69	8.01
Net Income to Common	6.14	1.12	5.52	13.08	11.69	8.01
Net Income Growth	-	-79.68%	-57.79%	11.88%	45.85%	-11.05%
Basic Shares Outstanding	101	101	101	101	101	101
Diluted Shares Outstanding	101	101	101	101	101	101
Shares Change (YoY)	-	-	-	-	-	0.00%
EPS (Basic)	0.06	0.01	0.05	0.13	0.12	0.08
EPS (Diluted)	0.06	0.01	0.05	0.13	0.12	0.08
EPS Growth	-	-79.68%	-57.79%	11.88%	45.85%	-11.06%
Dividend Per Share	-	-	-	0.040	0.040	0.025
Dividend Growth	-	-	-	-	55.51%	-35.70%
Effective Tax Rate	-	-	15.83%	40.33%	37.08%	26.91%

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