| The reason of the increase (decrease) in special commission income during the current quarter compared to the same quarter of the last year is | Income from investments and financing increased mainly due to growth in financing and investments volume. |
| The reason of the increase (decrease) in the net profit during the current quarter compared to the same quarter of the last year is | Net income increased due to the increase in total operating income by 5.3%, mainly due to the increase in net income from financing and investment, fee income and other operating income partly offset with the lower exchange income and FVIS income. |
| The reason of the increase (decrease) in the total net provision (reversing entry) of expected credit losses and other losses during the current quarter compared to the same quarter of the last year is | The increase in impairment charge on financing and other financial assets during the current quarter compared to similar quarter last year is mainly due to growth in financing and investment portfolio. |
| The reason of the increase (decrease) in special commission income during the current quarter compared to the previous quarter is | Income from investments and financing increased mainly due to growth in financing and investments volume. |
| The reason of the increase (decrease) in the net profit during the current quarter compared to the previous quarter is | Net income increased due to the increase in total operating income mainly due to the increase in net income from financing and investment and other operating income partly offset with the lower fee income, exchange income and FVIS income. |
| The reason of the increase (decrease) in the total net provision (reversing entry) of expected credit losses and other losses during the current quarter compared to the previous quarter is | The decrease in impairment charge on financing and other financial assets during the current quarter compared to previous quarter is mainly due to onboarding of better-quality new assets. |
| The reason of the increase (decrease) in special commission income during the current period compared to the same period of the last year is | Income from investments and financing increased mainly due to growth in financing and investments volume. |
| The reason of the increase (decrease) in the net profit during the current period compared to the same period of the last year is | Net income increased due to the increase in total operating income by 7.4%, mainly due to the increase in net income from financing and investment, fee income, exchange income and other operating income partly offset with the lower FVIS income. |
| The reason of the increase (decrease) in the total net provision (reversing entry) of expected credit losses and other losses during the current period compared to the same period of the last year is | The decrease in impairment charge on financing and other financial assets during the current period compared to similar period last year is mainly due to onboarding of better-quality new assets. |
| Statement of the type of external auditor's report | Unmodified Conclusion |
| Comment mentioned in the external auditor’s report, mentioned in any of the following paragraphs (other matter, conservation, notice, disclaimer of opinion, or adverse opinion) | None |
| Reclassification of Comparison Items | Some items have been reclassified. |
| Additional Information | For the calculation of earnings per share, 12.8 million treasury shares have been excluded. Earnings per share is calculated by dividing the net income after zakat for the period ended 30 September 2025 and 30 September 2024 (adjusted for Tier 1 Sukuk costs) by the weighted average number of outstanding shares, which reached 2,487 million shares (2024: 2,485 million shares). |
