TADAWUL:1182 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 and Dividend Income	75.66	106.35	180.44	229.07	240.74	240.5
Total Interest Expense	207.16	198.23	136.11	70.39	54.22	65.1
Net Interest Income	-131.5	-91.87	44.33	158.68	186.52	175.4
Commissions and Fees	34.72	20.2	14.12	19.03	21.4	14.75
Gain (Loss) on Sale of Investments	-1.02	-1.28	-0.03	11.96	1.63	1.46
Other Revenue	447.82	328.1	123.78	31.4	20.69	22.01
Revenue Before Loan Losses	350.02	255.15	182.21	221.08	230.24	213.62
Provision for Loan Losses	63.85	28.49	14.36	2.4	-1.78	5.43
Revenue	286.17	226.67	167.84	218.67	232.02	208.2
Revenue Growth (YoY)	41.65%	35.05%	-23.24%	-5.75%	11.44%	3.67%
Cost of Services Provided	173.12	149.24	114.16	97.61	99.23	84.37
Other Operating Expenses	7.37	5.88	4.84	0.78	0.67	2.01
Total Operating Expenses	199.59	168.03	128.89	107.74	108.69	92.8
Operating Income	86.58	58.63	38.95	110.93	123.34	115.39
EBT Excluding Unusual Items	86.58	58.63	38.95	110.93	123.34	115.39
Pretax Income	86.58	58.63	38.95	110.93	123.34	115.39
Income Tax Expense	17.86	12.32	7.15	14.21	15.58	16.49
Net Income	68.72	46.31	31.81	96.72	107.75	98.9
Net Income to Common	68.72	46.31	31.81	96.72	107.75	98.9
Net Income Growth	90.64%	45.61%	-67.12%	-10.24%	8.95%	41.27%
Shares Outstanding (Basic)	102	102	102	102	102	102
Shares Outstanding (Diluted)	102	102	102	102	102	102
EPS (Basic)	0.67	0.45	0.31	0.95	1.06	0.97
EPS (Diluted)	0.67	0.45	0.31	0.95	1.06	0.97
EPS Growth	90.64%	45.61%	-67.12%	-10.24%	8.95%	41.27%
Free Cash Flow	-9.94	-566.94	-414.73	245.59	34.27	-90.26
Free Cash Flow Per Share	-0.10	-5.56	-4.07	2.41	0.34	-0.89
Dividend Per Share	-	-	-	0.711	0.756	0.711
Dividend Growth	-	-	-	-5.89%	6.26%	6.66%
Operating Margin	30.25%	25.87%	23.21%	50.73%	53.16%	55.43%
Profit Margin	24.01%	20.43%	18.95%	44.23%	46.44%	47.50%
Free Cash Flow Margin	-3.47%	-250.12%	-247.09%	112.31%	14.77%	-43.35%
Effective Tax Rate	20.63%	21.01%	18.35%	12.81%	12.63%	14.29%
Revenue as Reported	556.13	452.27	313.16	291.47	-	278.72

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