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	Jun '25 Jun 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	701.47	623.67	523.85	416.96	300.9	130.63
Total Interest Expense	87.56	80.05	63.26	27.83	11.31	5.49
Net Interest Income	613.91	543.62	460.59	389.12	289.58	125.14
Revenue Before Loan Losses	613.91	543.62	460.59	389.12	289.58	125.14
Provision for Loan Losses	111.14	94.91	60.59	40.75	26.3	17.97
Revenue	502.77	448.71	400	348.37	263.28	107.17
Revenue Growth (YoY)	22.61%	12.18%	14.82%	32.32%	145.67%	-
Salaries & Employee Benefits	108.89	95.78	90.45	-	-	-
Cost of Services Provided	38.43	33.42	21.67	138.25	120.82	83.45
Other Operating Expenses	79.21	64.75	47.62	-	-	-
Total Operating Expenses	232.75	200.34	165.21	138.25	120.82	83.45
Operating Income	270.02	248.37	234.79	210.12	142.46	23.72
Pretax Income	269.51	248.01	236.59	214.26	143.93	27.5
Income Tax Expense	28.69	25.63	24.42	21.51	14.31	5.34
Net Income	240.82	222.38	212.16	192.75	129.63	22.16
Net Income to Common	240.82	222.38	212.16	192.75	129.63	22.16
Net Income Growth	16.00%	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)	9.63	8.90	8.49	7.71	5.18	0.89
EPS (Diluted)	9.63	8.90	8.49	7.71	5.18	0.89
EPS Growth	16.00%	4.82%	10.08%	48.70%	484.87%	-
Free Cash Flow	-339.75	-325.61	-105.24	-164.23	-351.6	-494.22
Free Cash Flow Per Share	-13.59	-13.02	-4.21	-6.57	-14.06	-19.77
Operating Margin	53.71%	55.35%	58.70%	60.32%	54.11%	22.14%
Profit Margin	47.90%	49.56%	53.04%	55.33%	49.23%	20.68%
Free Cash Flow Margin	-67.58%	-72.57%	-26.31%	-47.14%	-133.55%	-461.16%
Effective Tax Rate	10.64%	10.33%	10.32%	10.04%	9.94%	19.40%

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