Bank AlJazira Income Statement

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

Millions SAR. 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 Investments	8,849	8,171	6,418	3,961	3,127
Total Interest Income	8,849	8,171	6,418	3,961	3,127
Interest Paid on Deposits	5,598	5,344	3,890	1,308	409.29
Net Interest Income	3,252	2,827	2,528	2,652	2,718
Net Interest Income Growth (YoY)	15.02%	11.82%	-4.68%	-2.41%	13.70%
Gain (Loss) on Sale of Assets	0.56	0.01	19.36	52.8	-
Gain (Loss) on Sale of Investments	-3.83	3.46	3.6	7.09	53.65
Other Non-Interest Income	1,226	955.29	774.95	757.59	719.45
Total Non-Interest Income	1,213	952.29	806.5	842.98	868.61
Non-Interest Income Growth (YoY)	27.35%	18.08%	-4.33%	-2.95%	-3.13%
Revenues Before Loan Losses	4,464	3,779	3,335	3,495	3,587
Provision for Loan Losses	353.74	317.46	229.06	286.32	624.57
Revenue	4,111	3,462	3,106	3,209	2,962
Revenue Growth (YoY)	18.74%	11.47%	-3.22%	8.34%	73.08%
Salaries and Employee Benefits	1,246	1,126	1,052	1,009	976.7
Occupancy Expenses	177.58	183.82	182.12	197.59	254.92
Selling, General & Administrative	884.69	760.56	547.71	566.2	502.57
Other Non-Interest Expense	29.1	46.32	159.1	147	35.71
Total Non-Interest Expense	2,325	2,057	1,925	1,912	1,762
EBT Excluding Unusual Items	1,786	1,405	1,181	1,297	1,200
Asset Writedown	-	-	-	-	-46.91
Pretax Income	1,786	1,405	1,181	1,297	1,153
Income Tax Expense	280.29	173.67	160.88	187.57	147.12
Net Income	1,506	1,231	1,020	1,109	1,006
Preferred Dividends & Other Adjustments	229.27	195.83	137.77	77.35	39.32
Net Income to Common	1,276	1,035	882.21	1,032	966.76
Net Income Growth	22.31%	20.69%	-8.04%	10.24%	2880.61%
Basic Shares Outstanding	1,276	1,281	1,281	1,281	1,281
Diluted Shares Outstanding	1,276	1,281	1,281	1,281	1,281
Shares Change (YoY)	-0.39%	-	-	-	-
EPS (Basic)	1.00	0.81	0.69	0.81	0.75
EPS (Diluted)	1.00	0.81	0.69	0.81	0.75
EPS Growth	23.78%	17.33%	-14.49%	6.72%	2764.20%
Dividend Per Share	0.500	-	-	-	0.448
Effective Tax Rate	15.70%	12.36%	13.62%	14.46%	12.76%

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