Palestine Islamic Bank (PEX:ISBK)

Palestine Islamic Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	50.95	53.77	60.15	57.29	54.94	48.99
Interest Income on Investments	12.22	8.14	5.65	-	0.38	0.5
Total Interest Income	63.17	61.91	65.79	57.29	55.32	49.49
Interest Paid on Deposits	8.07	7.48	7	6.52	7.64	6.92
Interest Paid on Borrowings	0.12	0.14	0.15	0.18	0.21	0.23
Total Interest Expense	8.19	7.62	7.16	6.7	7.85	7.15
Net Interest Income	54.98	54.3	58.64	50.6	47.47	42.34
Net Interest Income Growth (YoY)	0.01%	-7.40%	15.90%	6.58%	12.12%	-2.64%
Gain (Loss) on Sale of Assets	-	-	-	0.01	0	-0
Gain (Loss) on Sale of Investments	-	-	-	1.98	1.21	0.7
Gain (Loss) on Sale of Equity Investments	1.24	0.52	0.22	0.42	0.38	0.15
Other Non-Interest Income	12.82	12.5	14.01	14.2	15.19	12.82
Total Non-Interest Income	14.06	13.02	14.23	16.6	16.78	13.67
Non-Interest Income Growth (YoY)	8.40%	-8.48%	-14.33%	-1.05%	22.73%	-6.28%
Revenues Before Loan Losses	69.04	67.32	72.86	67.2	64.25	56.02
Provision for Loan Losses	25.69	24.42	22.67	4.35	5.92	5.67
Revenue	43.35	42.9	50.19	62.85	58.33	50.34
Revenue Growth (YoY)	-1.62%	-14.53%	-20.14%	7.75%	15.87%	-6.90%
Salaries and Employee Benefits	17.29	19.73	18.94	18.32	18.27	17
Occupancy Expenses	4.64	4.58	4.55	4.38	4.34	4.48
Selling, General & Administrative	1.82	1.82	2.97	3.58	3.3	2.52
Other Non-Interest Expense	13.62	13.7	13.62	14.18	11.95	10.21
Total Non-Interest Expense	37.37	39.83	40.09	40.46	37.85	34.22
EBT Excluding Unusual Items	5.98	3.07	10.11	22.39	20.48	16.12
Asset Writedown	-2.05	-2.05	-3.31	-0.8	-1.19	-0.02
Legal Settlements	-	-	-	-	-0.12	-0.07
Pretax Income	3.94	1.03	6.79	21.59	19.18	16.02
Income Tax Expense	0.45	0.02	1.95	6.25	5.49	4.85
Net Income	3.49	1.01	4.85	15.35	13.69	11.17
Net Income to Common	3.49	1.01	4.85	15.35	13.69	11.17
Net Income Growth	-	-79.18%	-68.42%	12.14%	22.52%	-23.09%
Basic Shares Outstanding	91	100	100	100	100	100
Diluted Shares Outstanding	91	100	100	100	100	100
Shares Change (YoY)	-11.33%	-	-	0.00%	0.00%	-
EPS (Basic)	0.04	0.01	0.05	0.15	0.14	0.11
EPS (Diluted)	0.04	0.01	0.05	0.15	0.14	0.11
EPS Growth	-	-79.18%	-68.42%	12.13%	22.52%	-23.09%
Dividend Per Share	-	-	-	0.050	0.050	-
Effective Tax Rate	11.46%	1.92%	28.65%	28.93%	28.63%	30.29%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.