Bank AlJazira Income Statement

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

Millions SAR. 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 Investments	8,760	8,171	6,418	3,961	3,127	3,180
Total Interest Income	8,760	8,171	6,418	3,961	3,127	3,180
Interest Paid on Deposits	5,558	5,344	3,890	1,308	409.29	789.71
Net Interest Income	3,202	2,827	2,528	2,652	2,718	2,390
Net Interest Income Growth (YoY)	17.72%	11.82%	-4.68%	-2.41%	13.70%	16.46%
Gain (Loss) on Sale of Assets	0.01	0.01	19.36	52.8	-	17.04
Gain (Loss) on Sale of Investments	-3.75	3.46	3.6	7.09	53.65	4.7
Other Non-Interest Income	1,059	955.29	774.95	757.59	719.45	872.86
Total Non-Interest Income	1,045	952.29	806.5	842.98	868.61	896.7
Non-Interest Income Growth (YoY)	6.40%	18.08%	-4.33%	-2.95%	-3.13%	-3.02%
Revenues Before Loan Losses	4,247	3,779	3,335	3,495	3,587	3,287
Provision for Loan Losses	345.61	317.46	229.06	286.32	624.57	1,576
Revenue	3,901	3,462	3,106	3,209	2,962	1,711
Revenue Growth (YoY)	14.47%	11.47%	-3.22%	8.34%	73.08%	-39.32%
Salaries and Employee Benefits	1,220	1,126	1,052	1,009	976.7	982.61
Occupancy Expenses	173.14	183.82	182.12	197.59	254.92	214.45
Selling, General & Administrative	762.73	687.7	547.71	566.2	502.57	482.84
Other Non-Interest Expense	131.05	119.18	159.1	147	35.71	16.57
Total Non-Interest Expense	2,275	2,057	1,925	1,912	1,762	1,680
EBT Excluding Unusual Items	1,626	1,405	1,181	1,297	1,200	31.2
Asset Writedown	-	-	-	-	-46.91	-
Pretax Income	1,626	1,405	1,181	1,297	1,153	31.2
Income Tax Expense	202.67	173.67	160.88	187.57	147.12	-2.56
Net Income	1,423	1,231	1,020	1,109	1,006	33.75
Preferred Dividends & Other Adjustments	227.33	195.83	137.77	77.35	39.32	-
Net Income to Common	1,196	1,035	882.21	1,032	966.76	33.75
Net Income Growth	15.73%	20.69%	-8.04%	10.24%	2880.61%	-96.59%
Basic Shares Outstanding	1,278	1,281	1,281	1,281	1,281	1,281
Diluted Shares Outstanding	1,278	1,281	1,281	1,281	1,281	1,281
Shares Change (YoY)	-0.28%	-	-	-	-	-
EPS (Basic)	0.94	0.81	0.69	0.81	0.75	0.03
EPS (Diluted)	0.94	0.81	0.69	0.81	0.75	0.03
EPS Growth	16.21%	17.33%	-14.49%	6.72%	2764.20%	-96.59%
Dividend Per Share	-	-	-	-	0.448	-
Effective Tax Rate	12.46%	12.36%	13.62%	14.46%	12.76%	-

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