Amlak International Finance Co. announces its Annual Financial results for the Period Ending on 2025-12-31

Element List	Current Year	Previous Year	%Change
Total Income From Special Commission of Financing	567,987	452,266	25.59
Net Income From Special Commission of Financing	342,496	243,349	40.74
Net Income From Special Commission of Investment	-	-	-
Total Operations Profit (Loss)	343,563	244,462	40.54
Net Profit (Loss) before Zakat and Income Tax	82,179	58,633	40.16
Net Profit (Loss) Attributable to Shareholders of the Issuer	65,226	46,314	40.83
Total Comprehensive Income Attributable to Shareholders of the Issuer	56,480	39,097	44.46
Assets	4,462,772	4,512,211	-1.09
Investments	893	893	-
Loans And Advances Portfolio (Financing And Investment)	4,264,096	4,322,200	-1.34
Clients' deposits	-	-	-
Total Shareholders Equity (after Deducting Minority Equity)	1,281,199	1,224,719	4.61
Total Operating Expenses Before Provisions for Credit and Other Losses	185,777	157,344	18.07
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	75,607	28,485	165.43
Profit (Loss) per Share	0.64	0.45
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Amount	Percentage of the capital (%)
Profit (Losses) Resulting From The Change In Investment Propertie’s Fair Value	-	-
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Explanation
The reason of the increase (decrease) in the special commission income during the current year compared to the last year is	The company achieved Total Income From Special Commission of Financing of SR 567.99 million during current year, compared to SR 452.27 million during the last year, representing an increase of 25.59%.

The increase is mainly attributable to increase in yield of Loans and Advances Portfolio compared to prior period. The reason of the increase (decrease) in the net profit during the current year compared to the last year is The company achieved a net profit of SR 65.23 million during the current year, compared to SR 46.31 million during the last year, representing an increase of 40.83%.

The increase in net profit is mainly attributable to:

- Increase in Income From Special Commission of Financing, partially offset by

- Increase in Finance cost, and

- Increase in Operating Expenses. The reason of the increase (decrease) in the total net provision of expected credit losses and other losses (reversing entry) during the current year compared to the last year is The total net provision of expected credit losses and other losses during current year amounts to SR 75.6 million as compared to SR 28.4 million during last year.

The increase in total net provision for expected credit losses and other losses is attributable to:

- Higher credit overlays and specific provisions recognized during the period, reflecting the credit profile of the customers ; and

- Refinement in expected credit losses model assumptions and estimation methodology. Statement of the type of external auditor's report Unmodified opinion 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 No comparative figures have been reclassified to be consistent with the presentation of the current period. Additional Information Following notes are relevant to this submission:

1. The company is currently not engaged in any deposit taking activity; therefore, customer deposits are not applicable.

2. The company is currently not engaged in any activity for special commission income from investment, therefore special commission income from investment is not applicable

3. During the prior year, the share capital of the Company increased by way of issuance of bonus shares, from SR 906 million to SR 1,019.25 million.

The Capital Market Authority and Saudi Exchange take no responsibility for the contents of this disclosure, make no representations as to its accuracy or completeness, and expressly disclaim any liability whatsoever for any loss arising from, or incurred in reliance upon, any part of this disclosure, and the issuer accepts full responsibility for the accuracy of the information contained in it and confirms, having made all reasonable enquiries, that to the best of their knowledge and belief, there are no other facts or information the omission of which would make the disclosure misleading, incomplete or inaccurate.