Ithmaar Holding

Ithmaar Holding BSC

ITHMRStocksDubai Financial MarketBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

USD AED

Annual (USD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	375.40M	355.81M	266.68M	306.54M	314.11M
Interest Income	311.80M	381.99M	355.55M	290.42M	289.17M
Interest Expense	17.72M	18.11M	15.36M	106.29M	253.78M
Pretax Income	129.47M	124.98M	83.55M	49.91M	59.41M
Income Tax	102.34M	91.26M	70.19M	55.28M	28.80M
Net Income	1.12M	10.46M	-9.31M	-38.39M	38.60M
Net Interest Income	666.41M	836.81M	704.64M	444.77M	35.40M
Non-Interest Income	-291.38M	-459.16M	-421.17M	-187.44M	178.58M
Non-Interest Expense	245.93M	219.92M	183.13M	185.56M	183.64M
Loan Loss Provisions	-0.37M	21.85M	16.79M	-49.21M	-100.14M
EPS (Basic)	0.00	0.00	-0.00	-0.01	0.01
EPS (Diluted)	0.00	0.00	-0.00	-0.01	0.01
Margins & Efficiency
Net Margin %	+0.3%	+2.9%	-3.5%	-12.5%	+12.3%
Revenue & Income
Revenue	375.40M	355.81M	266.68M	306.54M	314.11M
Revenue	375.40M	355.81M	266.68M	306.54M	314.11M
Revenue Growth (YoY)	+5.5%	+33.4%	-13.0%	-2.4%	+0.1%
Revenues Before Loan Losses	375.03M	377.66M	283.47M	257.32M	213.98M
Interest Income on Investments	372.33M	472.93M	364.46M	260.63M	—
Interest Income on Loans	311.80M	381.99M	355.55M	290.42M	289.17M
Total Interest Income	684.13M	854.92M	720.00M	551.06M	289.17M
Net Interest Income	666.41M	836.81M	704.64M	444.77M	35.40M
Net Interest Income Growth (YoY)	-20.4%	+18.8%	+58.4%	+1,156.5%	+134.4%
Non-Interest Income Growth (YoY)	—	—	—	—	-29.7%
Total Non-Interest Income	-291.38M	-459.16M	-421.17M	-187.44M	178.58M
Other Non-Interest Income	78.99M	80.27M	30.25M	61.41M	178.40M
Gain (Loss) on Sale of Assets	2.22M	0.16M	0.08M	0.26M	1.58M
Gain (Loss) on Sale of Equity Investments	-372.60M	-539.59M	-451.50M	-249.11M	-1.40M
Expenses & Provisions
Selling, General & Administrative	—	—	—	162.89M	159.77M
Interest Paid on Deposits	17.72M	18.11M	15.36M	106.29M	253.78M
Total Non-Interest Expense	245.93M	219.92M	183.13M	185.56M	183.64M
Other Non-Interest Expense	218.40M	197.79M	163.80M	—	—
Provision for Loan Losses	-0.37M	21.85M	16.79M	-49.21M	-100.14M
Occupancy Expenses	27.53M	22.13M	19.33M	22.67M	23.86M
Asset Writedown	—	-10.91M	—	—	—
Profitability & Returns
EBT Excluding Unusual Items	129.47M	135.89M	83.55M	120.98M	130.48M
Pretax Income	129.47M	124.98M	83.55M	49.91M	59.41M
Profit Margin	+0.3%	+2.9%	-3.5%	-12.5%	+12.3%
Net Income	1.12M	10.46M	-9.31M	-38.39M	38.60M
Net Income to Common	1.12M	10.46M	-9.31M	-38.39M	38.60M
Net Income Growth	-89.3%	—	—	—	—
Earnings From Continuing Ops.	27.13M	33.72M	13.36M	-5.37M	30.61M
Earnings From Discontinued Ops.	—	—	—	-15.59M	29.72M
Minority Interest in Earnings	-26.01M	-23.26M	-22.67M	-17.42M	-21.72M
Income Tax Expense	102.34M	91.26M	70.19M	55.28M	28.80M
Effective Tax Rate	+79.0%	+73.0%	+84.0%	+110.8%	+48.5%
Per Share & Capital
EPS (Basic)	0.00	0.00	-0.00	-0.01	0.01
EPS (Diluted)	0.00	0.00	-0.00	-0.01	0.01
EPS Growth	-89.3%	—	—	—	—
Shares Outstanding (Basic)	2.91B	2.91B	2.91B	2.91B	2.91B
Shares Outstanding (Diluted)	2.91B	2.91B	2.91B	2.91B	2.91B
Free Cash Flow	-916.77M	-168.28M	-19.35M	-291.14M	219.23M
Free Cash Flow Margin	-244.2%	-47.3%	-7.3%	-95.0%	+69.8%
Free Cash Flow Per Share	-0.32	-0.06	-0.01	-0.10	0.08

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

USD AED

Annual (USD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	375.40M	355.81M	266.68M	306.54M	314.11M
Interest Income	311.80M	381.99M	355.55M	290.42M	289.17M
Interest Expense	17.72M	18.11M	15.36M	106.29M	253.78M
Pretax Income	129.47M	124.98M	83.55M	49.91M	59.41M
Income Tax	102.34M	91.26M	70.19M	55.28M	28.80M
Net Income	1.12M	10.46M	-9.31M	-38.39M	38.60M
Net Interest Income	666.41M	836.81M	704.64M	444.77M	35.40M
Non-Interest Income	-291.38M	-459.16M	-421.17M	-187.44M	178.58M
Non-Interest Expense	245.93M	219.92M	183.13M	185.56M	183.64M
Loan Loss Provisions	-0.37M	21.85M	16.79M	-49.21M	-100.14M
EPS (Basic)	0.00	0.00	-0.00	-0.01	0.01
EPS (Diluted)	0.00	0.00	-0.00	-0.01	0.01
Margins & Efficiency
Net Margin %	+0.3%	+2.9%	-3.5%	-12.5%	+12.3%
Revenue & Income
Revenue	375.40M	355.81M	266.68M	306.54M	314.11M
Revenue	375.40M	355.81M	266.68M	306.54M	314.11M
Revenue Growth (YoY)	+5.5%	+33.4%	-13.0%	-2.4%	+0.1%
Revenues Before Loan Losses	375.03M	377.66M	283.47M	257.32M	213.98M
Interest Income on Investments	372.33M	472.93M	364.46M	260.63M	—
Interest Income on Loans	311.80M	381.99M	355.55M	290.42M	289.17M
Total Interest Income	684.13M	854.92M	720.00M	551.06M	289.17M
Net Interest Income	666.41M	836.81M	704.64M	444.77M	35.40M
Net Interest Income Growth (YoY)	-20.4%	+18.8%	+58.4%	+1,156.5%	+134.4%
Non-Interest Income Growth (YoY)	—	—	—	—	-29.7%
Total Non-Interest Income	-291.38M	-459.16M	-421.17M	-187.44M	178.58M
Other Non-Interest Income	78.99M	80.27M	30.25M	61.41M	178.40M
Gain (Loss) on Sale of Assets	2.22M	0.16M	0.08M	0.26M	1.58M
Gain (Loss) on Sale of Equity Investments	-372.60M	-539.59M	-451.50M	-249.11M	-1.40M
Expenses & Provisions
Selling, General & Administrative	—	—	—	162.89M	159.77M
Interest Paid on Deposits	17.72M	18.11M	15.36M	106.29M	253.78M
Total Non-Interest Expense	245.93M	219.92M	183.13M	185.56M	183.64M
Other Non-Interest Expense	218.40M	197.79M	163.80M	—	—
Provision for Loan Losses	-0.37M	21.85M	16.79M	-49.21M	-100.14M
Occupancy Expenses	27.53M	22.13M	19.33M	22.67M	23.86M
Asset Writedown	—	-10.91M	—	—	—
Profitability & Returns
EBT Excluding Unusual Items	129.47M	135.89M	83.55M	120.98M	130.48M
Pretax Income	129.47M	124.98M	83.55M	49.91M	59.41M
Profit Margin	+0.3%	+2.9%	-3.5%	-12.5%	+12.3%
Net Income	1.12M	10.46M	-9.31M	-38.39M	38.60M
Net Income to Common	1.12M	10.46M	-9.31M	-38.39M	38.60M
Net Income Growth	-89.3%	—	—	—	—
Earnings From Continuing Ops.	27.13M	33.72M	13.36M	-5.37M	30.61M
Earnings From Discontinued Ops.	—	—	—	-15.59M	29.72M
Minority Interest in Earnings	-26.01M	-23.26M	-22.67M	-17.42M	-21.72M
Income Tax Expense	102.34M	91.26M	70.19M	55.28M	28.80M
Effective Tax Rate	+79.0%	+73.0%	+84.0%	+110.8%	+48.5%
Per Share & Capital
EPS (Basic)	0.00	0.00	-0.00	-0.01	0.01
EPS (Diluted)	0.00	0.00	-0.00	-0.01	0.01
EPS Growth	-89.3%	—	—	—	—
Shares Outstanding (Basic)	2.91B	2.91B	2.91B	2.91B	2.91B
Shares Outstanding (Diluted)	2.91B	2.91B	2.91B	2.91B	2.91B
Free Cash Flow	-916.77M	-168.28M	-19.35M	-291.14M	219.23M
Free Cash Flow Margin	-244.2%	-47.3%	-7.3%	-95.0%	+69.8%
Free Cash Flow Per Share	-0.32	-0.06	-0.01	-0.10	0.08