TADAWUL:4083 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	Mar '25 Mar 31, 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	658.89	623.67	523.85	416.96	300.9	130.63
Total Interest Expense	82.76	80.05	63.26	27.83	11.31	5.49
Net Interest Income	576.13	543.62	460.59	389.12	289.58	125.14
Revenue Before Loan Losses	576.13	543.62	460.59	389.12	289.58	125.14
Provision for Loan Losses	107.72	94.91	60.59	40.75	26.3	17.97
Revenue	468.41	448.71	400	348.37	263.28	107.17
Revenue Growth (YoY)	15.06%	12.18%	14.82%	32.32%	145.67%	-
Salaries & Employee Benefits	99.56	95.78	90.45	-	-	-
Cost of Services Provided	33.42	33.42	21.67	138.25	120.82	83.45
Other Operating Expenses	64.75	64.75	47.62	-	-	-
Total Operating Expenses	204.1	200.34	165.21	138.25	120.82	83.45
Operating Income	264.31	248.37	234.79	210.12	142.46	23.72
Pretax Income	254.21	248.01	236.59	214.26	143.93	27.5
Income Tax Expense	26.37	25.63	24.42	21.51	14.31	5.34
Net Income	227.84	222.38	212.16	192.75	129.63	22.16
Net Income to Common	227.84	222.38	212.16	192.75	129.63	22.16
Net Income Growth	7.15%	4.82%	10.08%	48.70%	484.87%	-
Shares Outstanding (Basic)	25	25	25	25	25	25
Shares Outstanding (Diluted)	25	25	25	25	25	25
EPS (Basic)	9.11	8.90	8.49	7.71	5.18	0.89
EPS (Diluted)	9.11	8.90	8.49	7.71	5.18	0.89
EPS Growth	7.15%	4.82%	10.08%	48.70%	484.87%	-
Free Cash Flow	-377.48	-325.61	-105.24	-164.23	-351.6	-494.22
Free Cash Flow Per Share	-15.10	-13.02	-4.21	-6.57	-14.06	-19.77
Operating Margin	56.43%	55.35%	58.70%	60.32%	54.11%	22.14%
Profit Margin	48.64%	49.56%	53.04%	55.33%	49.23%	20.68%
Free Cash Flow Margin	-80.59%	-72.57%	-26.31%	-47.14%	-133.55%	-461.16%
Effective Tax Rate	10.37%	10.33%	10.32%	10.04%	9.94%	19.40%

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