Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (SDG)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	16.60B	11.67B	0.84B	5.77B	2.38B
Interest Income	1.95B	1.63B	1.00B	2.43B	0.88B
Interest Expense	1.39B	1.16B	0.40B	0.63B	0.32B
Pretax Income	9.47B	7.40B	0.10B	3.59B	5.89B
Income Tax	2.40B	2.07B	0.48B	1.03B	0.70B
Net Income	7.07B	5.33B	-0.39B	2.55B	5.19B
Net Interest Income	0.60B	0.48B	0.71B	2.72B	1.21B
Non-Interest Income	17.47B	13.79B	3.04B	3.15B	1.26B
Non-Interest Expense	6.87B	4.27B	-0.33B	2.18B	-3.51B
Loan Loss Provisions	1.47B	2.60B	2.91B	0.10B	0.09B
EPS (Basic)	58.27	43.92	-3.19	21.06	42.81
EPS (Diluted)	58.27	43.92	-3.19	21.06	42.81
Margins & Efficiency
Net Margin %	+42.6%	+45.6%	-45.8%	+44.3%	+218.1%
Revenue & Income
Revenue	16.60B	11.67B	0.84B	5.77B	2.38B
Revenue	16.60B	11.67B	0.84B	5.77B	2.38B
Revenue Growth (YoY)	+42.3%	+1,283.3%	-85.4%	+142.4%	+181.2%
Revenues Before Loan Losses	18.07B	14.27B	3.75B	5.87B	2.47B
Interest Income on Investments	40.66M	7.21M	109.35M	919.83M	661.02M
Interest Income on Loans	1.95B	1.63B	1.00B	2.43B	0.88B
Total Interest Income	1.99B	1.64B	1.11B	3.35B	1.54B
Net Interest Income	0.60B	0.48B	0.71B	2.72B	1.21B
Net Interest Income Growth (YoY)	+24.1%	-31.9%	-74.0%	+124.4%	+138.8%
Non-Interest Income Growth (YoY)	+26.7%	+353.1%	-3.4%	+150.5%	+268.9%
Total Non-Interest Income	17.47B	13.79B	3.04B	3.15B	1.26B
Other Non-Interest Income	17.47B	13.79B	3.04B	3.11B	1.26B
Gain (Loss) on Sale of Assets	0.08M	—	—	39.22M	-0.06M
Expenses & Provisions
Selling, General & Administrative	907.46M	270.73M	260.47M	138.91M	67.44M
Interest Paid on Deposits	1.39B	1.16B	0.40B	0.63B	0.32B
Total Non-Interest Expense	6.87B	4.27B	-0.33B	2.18B	-3.51B
Other Non-Interest Expense	1.88B	1.10B	-3.64B	-0.39B	-4.28B
Provision for Loan Losses	1.47B	2.60B	2.91B	0.10B	0.09B
Salaries and Employee Benefits	3.87B	2.76B	2.96B	2.39B	0.68B
Occupancy Expenses	213.94M	142.44M	95.81M	47.95M	22.21M
Profitability & Returns
EBT Excluding Unusual Items	9.73B	7.40B	1.17B	3.59B	5.89B
Pretax Income	9.47B	7.40B	0.10B	3.59B	5.89B
Profit Margin	+42.6%	+45.6%	-45.8%	+44.3%	+218.1%
Net Income	7.07B	5.33B	-0.39B	2.55B	5.19B
Net Income to Common	7.07B	5.33B	-0.39B	2.55B	5.19B
Net Income Growth	+32.7%	—	—	-50.8%	+1,488.6%
Income Tax Expense	2.40B	2.07B	0.48B	1.03B	0.70B
Effective Tax Rate	+25.4%	+28.0%	+495.2%	+28.8%	+11.8%
Per Share & Capital
EPS (Basic)	58.27	43.92	-3.19	21.06	42.81
EPS (Diluted)	58.27	43.92	-3.19	21.06	42.81
EPS Growth	+32.7%	—	—	-50.8%	+1,488.6%
Shares Outstanding (Basic)	121.28M	121.28M	121.28M	121.28M	121.28M
Shares Outstanding (Diluted)	121.28M	121.28M	121.28M	121.28M	121.28M
Free Cash Flow	6.10B	9.86B	-1.00B	2.32B	1.60B
Free Cash Flow Margin	+36.8%	+84.5%	-118.2%	+40.1%	+67.2%
Free Cash Flow Per Share	50.32	81.32	-8.22	19.09	13.19
Supplemental
Other Unusual Items	-0.26B	—	-1.07B	—	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

SDG AED

Annual (SDG)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	16.60B	11.67B	0.84B	5.77B	2.38B
Interest Income	1.95B	1.63B	1.00B	2.43B	0.88B
Interest Expense	1.39B	1.16B	0.40B	0.63B	0.32B
Pretax Income	9.47B	7.40B	0.10B	3.59B	5.89B
Income Tax	2.40B	2.07B	0.48B	1.03B	0.70B
Net Income	7.07B	5.33B	-0.39B	2.55B	5.19B
Net Interest Income	0.60B	0.48B	0.71B	2.72B	1.21B
Non-Interest Income	17.47B	13.79B	3.04B	3.15B	1.26B
Non-Interest Expense	6.87B	4.27B	-0.33B	2.18B	-3.51B
Loan Loss Provisions	1.47B	2.60B	2.91B	0.10B	0.09B
EPS (Basic)	58.27	43.92	-3.19	21.06	42.81
EPS (Diluted)	58.27	43.92	-3.19	21.06	42.81
Margins & Efficiency
Net Margin %	+42.6%	+45.6%	-45.8%	+44.3%	+218.1%
Revenue & Income
Revenue	16.60B	11.67B	0.84B	5.77B	2.38B
Revenue	16.60B	11.67B	0.84B	5.77B	2.38B
Revenue Growth (YoY)	+42.3%	+1,283.3%	-85.4%	+142.4%	+181.2%
Revenues Before Loan Losses	18.07B	14.27B	3.75B	5.87B	2.47B
Interest Income on Investments	40.66M	7.21M	109.35M	919.83M	661.02M
Interest Income on Loans	1.95B	1.63B	1.00B	2.43B	0.88B
Total Interest Income	1.99B	1.64B	1.11B	3.35B	1.54B
Net Interest Income	0.60B	0.48B	0.71B	2.72B	1.21B
Net Interest Income Growth (YoY)	+24.1%	-31.9%	-74.0%	+124.4%	+138.8%
Non-Interest Income Growth (YoY)	+26.7%	+353.1%	-3.4%	+150.5%	+268.9%
Total Non-Interest Income	17.47B	13.79B	3.04B	3.15B	1.26B
Other Non-Interest Income	17.47B	13.79B	3.04B	3.11B	1.26B
Gain (Loss) on Sale of Assets	0.08M	—	—	39.22M	-0.06M
Expenses & Provisions
Selling, General & Administrative	907.46M	270.73M	260.47M	138.91M	67.44M
Interest Paid on Deposits	1.39B	1.16B	0.40B	0.63B	0.32B
Total Non-Interest Expense	6.87B	4.27B	-0.33B	2.18B	-3.51B
Other Non-Interest Expense	1.88B	1.10B	-3.64B	-0.39B	-4.28B
Provision for Loan Losses	1.47B	2.60B	2.91B	0.10B	0.09B
Salaries and Employee Benefits	3.87B	2.76B	2.96B	2.39B	0.68B
Occupancy Expenses	213.94M	142.44M	95.81M	47.95M	22.21M
Profitability & Returns
EBT Excluding Unusual Items	9.73B	7.40B	1.17B	3.59B	5.89B
Pretax Income	9.47B	7.40B	0.10B	3.59B	5.89B
Profit Margin	+42.6%	+45.6%	-45.8%	+44.3%	+218.1%
Net Income	7.07B	5.33B	-0.39B	2.55B	5.19B
Net Income to Common	7.07B	5.33B	-0.39B	2.55B	5.19B
Net Income Growth	+32.7%	—	—	-50.8%	+1,488.6%
Income Tax Expense	2.40B	2.07B	0.48B	1.03B	0.70B
Effective Tax Rate	+25.4%	+28.0%	+495.2%	+28.8%	+11.8%
Per Share & Capital
EPS (Basic)	58.27	43.92	-3.19	21.06	42.81
EPS (Diluted)	58.27	43.92	-3.19	21.06	42.81
EPS Growth	+32.7%	—	—	-50.8%	+1,488.6%
Shares Outstanding (Basic)	121.28M	121.28M	121.28M	121.28M	121.28M
Shares Outstanding (Diluted)	121.28M	121.28M	121.28M	121.28M	121.28M
Free Cash Flow	6.10B	9.86B	-1.00B	2.32B	1.60B
Free Cash Flow Margin	+36.8%	+84.5%	-118.2%	+40.1%	+67.2%
Free Cash Flow Per Share	50.32	81.32	-8.22	19.09	13.19
Supplemental
Other Unusual Items	-0.26B	—	-1.07B	—	—

Financials

Annual (SDG)

AL SALAM SUDAN

Annual (SDG)