| The reason of the increase (decrease) in special commission income during the current quarter compared to the same quarter of the last year is |
Net income from investing and financing assets increased by 8%, which is mainly due to increase in the income from investing and financing assets by 15%, however, the return on deposits and financial liabilities increased by 23%. |
| 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 has increased due to the increase in total operating income by 5%, which is mainly due to increase in net income from investing and financing assets and other operating income. However, net fee and commission income, net gain on fair value through statement of income (FVSI) instruments, net exchange income, dividend income have been decreased. Total operating expenses have increased by 6%, which is mainly due to the increase in other general and administrative expenses, salaries and employee related benefits, net impairment charge for expected credit losses, depreciation & amortization. |
| 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 |
Net impairment charge for expected credit losses increased by 14%, which is mainly due to increase in net impairment charge for expected credit losses on financing. |
| The reason of the increase (decrease) in special commission income during the current quarter compared to the previous quarter is |
Net income from investing and financing assets increased by 1%, which is mainly due to increase in the income from investing and financing assets by 8%, however, the return on deposits and financial liabilities increased by 16%. |
| The reason of the increase (decrease) in the net profit during the current quarter compared to the previous quarter is |
Net income has increased due to the increase in total operating income by 5%, which is mainly due to the increase in other operating income, net exchange income, income from investing and financing assets, dividend income. However, net fee and commission income and net gain on fair value through statement of income (FVSI) instruments has decreased. Total operating expenses have increased by 3%, which is mainly due to the increase in other general and administrative expenses, salaries and employee related benefits and depreciation & amortization. However, net impairment charge for expected credit losses and have decreased. |
| 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 |
Net impairment charge for expected credit losses decreased by 22%, which is mainly due to a decrease in net impairment charge for expected credit losses on financing due to better quality and composition of the portfolio. |
| The reason of the increase (decrease) in special commission income during the current period compared to the same period of the last year is |
Net income from investing and financing assets increased by 8%, which is mainly due to increase in the income from investing and financing assets by 12%, however, the return on deposits and financial liabilities increased by 17%. |
| 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 has increased due to the increase in total operating income by 5%, which is mainly due to the increase in net income from investing and financing assets, other operating income, and net gain on fair value through statement of income (FVSI) instruments. However, net fee and commission income , net exchange income and dividend income have decreased. Total operating expenses have increased by 5%, which is mainly due to the increase in net impairment charge for expected credit losses, other general and administrative expenses, salaries and employee related benefits and depreciation & amortization. |
| 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 |
Net impairment charge for expected credit losses increased by 25%, which is mainly due to increase in net impairment charge for expected credit losses on financing. |
| 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 |
Earnings per share is calculated by dividing the net income after zakat for the six months period ended 30 June 2026 and 30 June 2025 (after deduction of Tier 1 sukuk costs) by the weighted average outstanding number of shares adjusted for treasury shares, which is 1,485 million shares (June 30, 2025: 1,490 million shares). |
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