Financial Statements — AMAL
Balance Sheet
(in billions USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.18 | 0.12 | 0.17 | 0.07 | 0.15 | 0.06 | 0.16 | 0.14 | 0.07 | 0.13 | 0.07 | 0.33 | 0.37 | 0.69 | 0.55 | 0.50 |
| Net Loans & Leases | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 3.61 | 3.43 | 3.09 | 3.14 | 3.22 |
| Total Assets | 9.17 | 8.68 | 8.62 | 8.29 | 8.41 | 8.25 | 8.14 | 7.91 | 7.79 | 7.84 | 7.87 | 7.94 | 7.65 | 6.86 | 6.56 | 6.39 |
| Total Deposits | 8.18 | 7.77 | 7.73 | 7.41 | 7.59 | 7.45 | 7.31 | 6.99 | 6.89 | 7.04 | 7.16 | 7.29 | 6.97 | 6.22 | 5.91 | 5.72 |
| Total Liabilities | 8.36 | 7.91 | 7.87 | 7.55 | 7.72 | 7.60 | 7.52 | 7.36 | 7.26 | 7.32 | 7.38 | 7.45 | 7.13 | 6.30 | 6.01 | 5.85 |
| Retained Earnings | 0.59 | 0.54 | 0.52 | 0.50 | 0.46 | 0.44 | 0.41 | 0.37 | 0.35 | 0.33 | 0.31 | 0.29 | 0.27 | 0.25 | 0.23 | 0.23 |
| Total Stockholder Equity* | 0.81 | 0.78 | 0.75 | 0.74 | 0.70 | 0.65 | 0.62 | 0.55 | 0.53 | 0.52 | 0.49 | 0.50 | 0.53 | 0.56 | 0.55 | 0.54 |
* Derived from reported values
Income Statement
(in millions USD) (except per-share rows)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Interest & Dividend Income | 109.31 | 107.86 | 109.59 | 104.10 | 100.69 | 102.59 | 102.82 | 98.96 | 96.93 | 95.98 | 91.24 | 85.92 | 84.94 | 78.54 | 70.82 | 58.67 | 50.46 | 48.89 | 44.80 | 43.42 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | 28.90 | 28.67 | 27.51 | 22.94 | 17.66 | 11.20 | 3.19 | 2.17 | 2.09 | 1.81 | 1.41 | 1.43 |
| Net Interest Income | 80.16 | 77.85 | 76.45 | 72.91 | 70.58 | 73.09 | 72.11 | 69.19 | 68.04 | 67.32 | 63.73 | 62.99 | 67.28 | 67.35 | 67.63 | 56.50 | 48.37 | 47.08 | 43.39 | 41.99 |
| Provision for Credit Losses | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 2.91 | 2.29 | 3.57 | (2.28) | 1.68 |
| Non-interest Income | 13.29 | 7.35 | 9.16 | 8.03 | 6.41 | 4.79 | 8.94 | 9.26 | 10.23 | 9.40 | 6.78 | 7.94 | 5.21 | 4.23 | 5.00 | 7.25 | 7.42 | 12.36 | 6.70 | 5.33 |
| Non-interest Expense | 45.89 | 46.40 | 43.62 | 40.58 | 41.65 | 41.14 | 40.96 | 39.51 | 38.15 | 37.75 | 37.34 | 37.53 | 38.63 | 35.57 | 36.26 | 34.35 | 34.40 | 35.03 | 33.03 | 31.40 |
| Pretax Income | 34.07 | 33.27 | 36.69 | 35.46 | 34.74 | 33.05 | 38.23 | 35.78 | 38.53 | 35.21 | 31.16 | 29.46 | 28.90 | -- | 31.01 | 26.49 | 19.10 | 20.84 | 19.33 | 14.24 |
| Tax Provision | 8.84 | 6.63 | 9.90 | 9.47 | 9.71 | 8.56 | 10.29 | 9.02 | 11.28 | 12.52 | 8.85 | 7.82 | 7.57 | 6.81 | 8.07 | 6.87 | 4.93 | 4.92 | 4.92 | 3.83 |
| Net Income | 25.22 | 26.64 | 26.79 | 25.99 | 25.03 | 24.49 | 27.94 | 26.75 | 27.25 | 22.69 | 22.31 | 21.64 | 21.34 | 24.76 | 22.94 | 19.61 | 14.17 | 15.92 | 14.42 | 10.41 |
| Basic EPS | 0.85 | 0.88 | 0.89 | 0.85 | 0.82 | 0.80 | 0.91 | 0.88 | 0.89 | 0.75 | 0.73 | 0.71 | 0.69 | 0.79 | 0.75 | 0.64 | 0.46 | 0.52 | 0.46 | 0.33 |
| Diluted EPS | 0.84 | 0.88 | 0.88 | 0.84 | 0.81 | 0.78 | 0.90 | 0.87 | 0.89 | 0.74 | 0.73 | 0.70 | 0.69 | 0.79 | 0.74 | 0.63 | 0.45 | 0.50 | 0.46 | 0.33 |
Cash Flow Statement
(in millions USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Operating Cash Flow | 56.78 | 37.14 | 39.50 | 24.93 | 34.21 | 29.01 | 35.78 | 28.02 | 31.26 | 15.32 | 39.79 | 27.26 | 34.85 | 52.45 | 26.78 | 51.26 | 16.83 | 17.14 | 28.68 | 12.57 |
| Capital Expenditures | 6.08 | (0.85) | 1.19 | (0.71) | 1.75 | 0.74 | 0.59 | 0.25 | 0.21 | 0.26 | 0.38 | 0.58 | 0.26 | 0.18 | 0.56 | 0.11 | 0.82 | 0.18 | 0.49 | 0.88 |
| Free Cash Flow* | 50.70 | 38.00 | 38.31 | 25.64 | 32.46 | 28.27 | 35.19 | 27.77 | 31.06 | 15.06 | 39.42 | 26.68 | 34.59 | 52.27 | 26.21 | 51.16 | 16.01 | 16.96 | 28.19 | 11.70 |
| Investing Cash Flow | (387.35) | (22.02) | (117.01) | (232.37) | (6.61) | 55.30 | (78.03) | (201.97) | (91.25) | (81.95) | (57.35) | (30.21) | 35.10 | 7.91 | (226.83) | (398.77) | (584.80) | (589.62) | (197.91) | (154.52) |
| Financing Cash Flow | 219.09 | 160.55 | 21.99 | 312.80 | (22.64) | (172.76) | 133.46 | 76.74 | 124.62 | 16.99 | 92.06 | (62.23) | (2.60) | (63.05) | (66.26) | 306.00 | 611.53 | 212.72 | 312.02 | 184.47 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 | Q1
2021 | Q4
2020 |
|---|
| Dividends Per Share | 0.17 | 0.14 | 0.14 | 0.14 | 0.12 | 0.12 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 |
