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Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	119.74M	191.21M	148.39M	112.61M	72.99M
Interest Income	154.91M	147.09M	162.80M	132.79M	115.83M
Interest Expense	91.04M	94.19M	92.06M	87.38M	83.55M
Pretax Income	22.42M	63.48M	51.81M	38.69M	11.37M
Income Tax	0.65M	1.65M	1.10M	0.90M	0.24M
Net Income	22.13M	61.86M	50.71M	37.79M	11.13M
Net Interest Income	63.88M	52.90M	70.74M	45.40M	32.28M
Non-Interest Income	48.17M	130.32M	35.12M	37.82M	29.77M
Non-Interest Expense	97.32M	127.73M	96.58M	73.91M	61.62M
Loan Loss Provisions	-7.70M	-7.99M	-42.54M	-29.38M	-10.94M
EPS (Basic)	0.00	0.00	0.00	0.00	0.00
EPS (Diluted)	0.00	0.00	0.00	0.00	0.00
Margins & Efficiency
Net Margin %	+18.5%	+32.4%	+34.2%	+33.6%	+15.2%
Revenue & Income
Revenue	119.74M	191.21M	148.39M	112.61M	72.99M
Revenue	119.74M	191.21M	148.39M	112.61M	72.99M
Revenue Growth (YoY)	+64.1%	—	+86.6%	+31.9%	-52.7%
Revenues Before Loan Losses	112.04M	183.22M	105.86M	83.23M	62.05M
Interest Income on Loans	154.91M	147.09M	162.80M	132.79M	115.83M
Net Interest Income	63.88M	52.90M	70.74M	45.40M	32.28M
Net Interest Income Growth (YoY)	+97.9%	+320.2%	+101.9%	-3.6%	-29.3%
Non-Interest Income Growth (YoY)	+61.8%	—	+3.3%	+56.7%	+35.3%
Total Non-Interest Income	48.17M	130.32M	35.12M	37.82M	29.77M
Other Non-Interest Income	48.17M	130.32M	35.12M	37.82M	29.77M
Gain (Loss) on Sale of Investments	—	—	—	—	—
Expenses & Provisions
Selling, General & Administrative	34.66M	142.25M	—	12.06M	16.49M
Interest Paid on Deposits	91.04M	94.19M	92.06M	87.38M	83.55M
Total Non-Interest Expense	97.32M	127.73M	96.58M	73.91M	61.62M
Other Non-Interest Expense	—	-82.59M	39.40M	10.49M	—
Provision for Loan Losses	-7.70M	-7.99M	-42.54M	-29.38M	-10.94M
Salaries and Employee Benefits	60.27M	66.39M	53.89M	46.67M	42.38M
Occupancy Expenses	2.39M	1.68M	3.29M	4.69M	2.76M
Profitability & Returns
EBT Excluding Unusual Items	22.42M	63.48M	51.81M	38.69M	11.37M
Pretax Income	22.42M	63.48M	51.81M	38.69M	11.37M
Profit Margin	+18.5%	+32.4%	+34.2%	+33.6%	+15.2%
Net Income	22.13M	61.86M	50.71M	37.79M	11.13M
Net Income to Common	22.13M	61.86M	50.71M	37.79M	11.13M
Net Income Growth	+98.8%	—	+291.3%	+131.3%	-86.5%
Earnings From Continuing Ops.	21.77M	61.83M	50.71M	37.79M	11.13M
Minority Interest in Earnings	353.00K	26.00K	—	—	—
Income Tax Expense	0.65M	1.65M	1.10M	0.90M	0.24M
Effective Tax Rate	+2.9%	+2.6%	+2.1%	+2.3%	+2.1%
Per Share & Capital
EPS (Basic)	0.00	0.00	0.00	0.00	0.00
EPS (Diluted)	0.00	0.00	0.00	0.00	0.00
EPS Growth	+100.0%	—	+291.8%	+130.6%	-86.5%
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	263.18B	263.18B	263.18B	263.18B	263.18B
Shares Outstanding (Diluted)	263.18B	263.18B	263.18B	263.18B	263.18B
Free Cash Flow	-0.76B	-0.21B	-0.72B	-0.56B	-0.03B
Free Cash Flow Margin	-636.4%	-112.1%	-484.4%	-494.2%	-42.1%
Free Cash Flow Per Share	-0.00	-0.00	-0.00	-0.00	0.00

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	119.74M	191.21M	148.39M	112.61M	72.99M
Interest Income	154.91M	147.09M	162.80M	132.79M	115.83M
Interest Expense	91.04M	94.19M	92.06M	87.38M	83.55M
Pretax Income	22.42M	63.48M	51.81M	38.69M	11.37M
Income Tax	0.65M	1.65M	1.10M	0.90M	0.24M
Net Income	22.13M	61.86M	50.71M	37.79M	11.13M
Net Interest Income	63.88M	52.90M	70.74M	45.40M	32.28M
Non-Interest Income	48.17M	130.32M	35.12M	37.82M	29.77M
Non-Interest Expense	97.32M	127.73M	96.58M	73.91M	61.62M
Loan Loss Provisions	-7.70M	-7.99M	-42.54M	-29.38M	-10.94M
EPS (Basic)	0.00	0.00	0.00	0.00	0.00
EPS (Diluted)	0.00	0.00	0.00	0.00	0.00
Margins & Efficiency
Net Margin %	+18.5%	+32.4%	+34.2%	+33.6%	+15.2%
Revenue & Income
Revenue	119.74M	191.21M	148.39M	112.61M	72.99M
Revenue	119.74M	191.21M	148.39M	112.61M	72.99M
Revenue Growth (YoY)	+64.1%	—	+86.6%	+31.9%	-52.7%
Revenues Before Loan Losses	112.04M	183.22M	105.86M	83.23M	62.05M
Interest Income on Loans	154.91M	147.09M	162.80M	132.79M	115.83M
Net Interest Income	63.88M	52.90M	70.74M	45.40M	32.28M
Net Interest Income Growth (YoY)	+97.9%	+320.2%	+101.9%	-3.6%	-29.3%
Non-Interest Income Growth (YoY)	+61.8%	—	+3.3%	+56.7%	+35.3%
Total Non-Interest Income	48.17M	130.32M	35.12M	37.82M	29.77M
Other Non-Interest Income	48.17M	130.32M	35.12M	37.82M	29.77M
Gain (Loss) on Sale of Investments	—	—	—	—	—
Expenses & Provisions
Selling, General & Administrative	34.66M	142.25M	—	12.06M	16.49M
Interest Paid on Deposits	91.04M	94.19M	92.06M	87.38M	83.55M
Total Non-Interest Expense	97.32M	127.73M	96.58M	73.91M	61.62M
Other Non-Interest Expense	—	-82.59M	39.40M	10.49M	—
Provision for Loan Losses	-7.70M	-7.99M	-42.54M	-29.38M	-10.94M
Salaries and Employee Benefits	60.27M	66.39M	53.89M	46.67M	42.38M
Occupancy Expenses	2.39M	1.68M	3.29M	4.69M	2.76M
Profitability & Returns
EBT Excluding Unusual Items	22.42M	63.48M	51.81M	38.69M	11.37M
Pretax Income	22.42M	63.48M	51.81M	38.69M	11.37M
Profit Margin	+18.5%	+32.4%	+34.2%	+33.6%	+15.2%
Net Income	22.13M	61.86M	50.71M	37.79M	11.13M
Net Income to Common	22.13M	61.86M	50.71M	37.79M	11.13M
Net Income Growth	+98.8%	—	+291.3%	+131.3%	-86.5%
Earnings From Continuing Ops.	21.77M	61.83M	50.71M	37.79M	11.13M
Minority Interest in Earnings	353.00K	26.00K	—	—	—
Income Tax Expense	0.65M	1.65M	1.10M	0.90M	0.24M
Effective Tax Rate	+2.9%	+2.6%	+2.1%	+2.3%	+2.1%
Per Share & Capital
EPS (Basic)	0.00	0.00	0.00	0.00	0.00
EPS (Diluted)	0.00	0.00	0.00	0.00	0.00
EPS Growth	+100.0%	—	+291.8%	+130.6%	-86.5%
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	263.18B	263.18B	263.18B	263.18B	263.18B
Shares Outstanding (Diluted)	263.18B	263.18B	263.18B	263.18B	263.18B
Free Cash Flow	-0.76B	-0.21B	-0.72B	-0.56B	-0.03B
Free Cash Flow Margin	-636.4%	-112.1%	-484.4%	-494.2%	-42.1%
Free Cash Flow Per Share	-0.00	-0.00	-0.00	-0.00	0.00