Quds Bank Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	81.04	68.71	77.95	81.11	71.71	62.88
Total Interest Income	81.04	68.71	77.95	81.11	71.71	62.88
Interest Paid on Deposits	20.81	19.23	15.99	12.36	12.62	12.97
Net Interest Income	60.22	49.48	61.96	68.75	59.09	49.91
Net Interest Income Growth	15.94%	-20.14%	-9.87%	16.34%	18.40%	17.54%
Gain (Loss) on Sale of Assets	-	-	-0.17	-0.7	-	-
Gain (Loss) on Sale of Investments	-	-	0.41	-0.04	1.64	1.18
Gain (Loss) on Sale of Equity Investments	-0.5	-0.5	0.23	0.25	0.22	0.18
Other Non-Interest Income	18.24	17.59	16.64	19.12	19.35	16.42
Total Non-Interest Income	17.74	17.09	17.12	18.63	21.21	17.78
Non-Interest Income Growth	16.70%	-0.18%	-8.14%	-12.16%	19.32%	3.37%
Revenues Before Loan Losses	77.97	66.56	79.08	87.38	80.3	67.69
Provision for Loan Losses	17.64	12.4	28.62	28.81	11.01	6.73
Revenue	60.33	54.17	50.46	58.57	69.3	60.96
Revenue Growth	20.94%	7.36%	-13.86%	-15.48%	13.69%	17.17%
Salaries and Employee Benefits	22.47	22	19.88	21.88	19.57	19.75
Occupancy Expenses	7.62	6.88	5.06	5.09	5.61	5.56
Selling, General & Administrative	-	-	1.63	2.05	1.59	1.61
Other Non-Interest Expense	15.39	14.21	14.82	15.86	17.27	13.4
Total Non-Interest Expense	45.48	43.1	41.38	44.88	44.03	40.32
EBT Excluding Unusual Items	14.85	11.07	9.07	13.7	25.26	20.64
Asset Writedown	-	-	0.76	-	-	-
Legal Settlements	-	-	0.27	-	-0.33	-0.1
Other Unusual Items	-	-	-	-0.03	-	-
Pretax Income	14.85	11.07	10.1	13.67	24.93	20.54
Income Tax Expense	4.29	3.81	0.09	4.49	4.03	6.17
Earnings From Continuing Operations	10.55	7.26	10.01	9.18	20.9	14.36
Minority Interest in Earnings	-0.25	-0.48	-0.22	-0.22	-0.59	-0.3
Net Income	10.31	6.78	9.79	8.96	20.31	14.07
Net Income to Common	10.31	6.78	9.79	8.96	20.31	14.07
Net Income Growth	19.26%	-30.72%	9.27%	-55.89%	44.41%	29.07%
Basic Shares Outstanding	112	112	112	112	112	112
Diluted Shares Outstanding	112	112	112	112	112	112
Shares Change	-0.14%	-0.79%	-	-	-	-0.00%
EPS (Basic)	0.09	0.06	0.09	0.08	0.18	0.13
EPS (Diluted)	0.09	0.06	0.09	0.08	0.18	0.13
EPS Growth	19.42%	-30.17%	9.27%	-55.89%	44.41%	29.08%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	-	-	0.075	-	0.089	0.056
Dividend Growth	-	-	-	-	59.60%	49.33%
Effective Tax Rate	28.92%	34.40%	0.85%	32.82%	16.18%	30.06%