TADAWUL:4083 Income Statement

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

Millions SAR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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 and Dividend Income	768.36	768.36	623.67	523.85	416.96	300.9
Total Interest Expense	100.61	97.06	80.05	63.26	27.83	11.31
Net Interest Income	667.75	671.31	543.62	460.59	389.12	289.58
Other Revenue	31.71	1.11	-	-	-	-
Revenue Before Loan Losses	699.46	672.42	543.62	460.59	389.12	289.58
Provision for Loan Losses	124.83	124.83	94.91	60.59	40.75	26.3
Revenue	574.63	547.59	448.71	400	348.37	263.28
Revenue Growth (YoY)	15.14%	22.04%	12.18%	14.82%	32.32%	145.67%
Salaries & Employee Benefits	123.08	118.29	95.78	90.45	-	-
Cost of Services Provided	35.64	35.64	33.42	21.67	138.25	120.82
Other Operating Expenses	84.81	80.33	64.75	47.62	-	-
Total Operating Expenses	251.36	241.25	200.34	165.21	138.25	120.82
Operating Income	323.27	306.34	248.37	234.79	210.12	142.46
Pretax Income	314.4	307.18	248.01	236.59	214.26	143.93
Income Tax Expense	36.22	35.03	25.63	24.42	21.51	14.31
Earnings From Continuing Ops.	278.19	272.16	222.38	212.16	192.75	129.63
Minority Interest in Earnings	2.03	1.48	-	-	-	-
Net Income	280.22	273.64	222.38	212.16	192.75	129.63
Net Income to Common	280.22	273.64	222.38	212.16	192.75	129.63
Net Income Growth	22.99%	23.05%	4.82%	10.08%	48.70%	484.87%
Shares Outstanding (Basic)	72	72	72	72	72	72
Shares Outstanding (Diluted)	72	72	72	72	72	72
EPS (Basic)	3.89	3.80	3.09	2.95	2.68	1.80
EPS (Diluted)	3.89	3.80	3.09	2.95	2.68	1.80
EPS Growth	2.95%	23.05%	4.82%	10.08%	48.70%	484.87%
Free Cash Flow	-164.02	-308.65	-325.61	-105.24	-164.23	-351.6
Free Cash Flow Per Share	-2.28	-4.29	-4.52	-1.46	-2.28	-4.88
Operating Margin	56.26%	55.94%	55.35%	58.70%	60.32%	54.11%
Profit Margin	48.77%	49.97%	49.56%	53.04%	55.33%	49.23%
Free Cash Flow Margin	-28.54%	-56.37%	-72.57%	-26.31%	-47.14%	-133.55%
Effective Tax Rate	11.52%	11.40%	10.33%	10.32%	10.04%	9.94%

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