Microsoft Word - DMIT FINANCIAL STATEMENTS 2025-Final draft.

Dar Al-Maal Al-Islami Trust NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS For the year ended 31 December 2025 in thousands of USD 36 4. Financial instruments (continued) B. Financial risk management (continued) iii. Liquidity risk (continued) At 31 December 2024 Up to one month One- three months Three- twelve months One-five years Over five years Total Liabilities Due to customers 3,890,175 149,313 398,834 35,700 - 4,474,022 Due to banks and financial institutions 1,050,844 136,659 192,929 24,385 314,332 1,719,149 Derivative financial instruments - - 1,387 2,141 - 3,528 Deferred income - - 6,672 - - 6,672 Accounts payable 120,134 199 215,677 14,575 45,774 396,359 Total liabilities liquidity risk 5,061,153 286,171 815,499 76,801 360,106 6,599,730 The table below presents the expected cash outflow by the Group under off-balance sheet liabilities. At 31 December 2025 No later than one year One-five years Over five years Total Endorsements 95,897 270 - 96,167 Guarantees and irrevocable letters of credit 847,592 19,791 1,105 868,488 Undrawn facilities and other commitments to finance 1,509,427 - - 1,509,427 Open foreign currency positions 541,771 - - 541,771 Customer and other claims - - - - Total 2,994,687 20,061 1,105 3,015,853 At 31 December 2024 No later than one year One-five years Over five years Total Endorsements 86,343 - 7 86,350 Guarantees and irrevocable letters of credit 552,592 16,160 3,360 572,112 Undrawn facilities and other commitments to finance 1,212,056 - - 1,212,056 Open foreign currency positions 574,403 - - 574,403 Customer and other claims 14,795 14,795 Total 2,440,189 16,160 3,367 2,459,716