Abu Dhabi Islamic Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Assets
Cash & Equivalents	6.91B	2.18B	2.26B	3.05B	8.80B
Total Assets	280.75B	269.73B	260.35B	243.53B	225.91B
Investment Securities	44.27B	53.69B	54.71B	51.28B	37.49B
Trading Assets	1.31B	2.12B	2.41B	1.90B	2.25B
Gross Loans	213.66B	200.62B	190.17B	175.28B	165.71B
Net Loans	188.61B	176.19B	166.66B	153.60B	145.54B
Allowance for Loan Losses	-4.26B	-4.46B	-4.49B	-4.39B	-4.54B
Liabilities
Total Deposits	234.64B	224.34B	221.16B	205.74B	187.47B
Interest-Bearing Deposits	174.85B	163.48B	157.89B	147.22B	134.91B
Non-Interest-Bearing Deposits	59.79B	60.86B	63.27B	58.51B	52.55B
Total Debt	5.40B	5.93B	2.01B	2.02B	1.99B
Total Liabilities	248.38B	239.19B	231.64B	216.60B	197.59B
Equity & Ownership
Total Equity	32.37B	30.54B	28.71B	26.93B	28.32B
Shares Outstanding	3,632,000,000	3,632,000,000	3,632,000,000	3,632,000,000	3,632,000,000
Cash & Assets
Total Assets	280.75B	269.73B	260.35B	243.53B	225.91B
Cash & Equivalents	6.91B	2.18B	2.26B	3.05B	8.80B
Net Cash (Debt)	19.54B	18.44B	24.07B	23.00B	18.62B
Net Cash Per Share	5.38	5.08	6.63	6.33	5.13
Net Cash Growth	+4.9%	-6.6%	+15.1%	+9.3%	-19.6%
Other Receivables	2.55B	2.72B	1.90B	2.83B	2.61B
Restricted Cash	22.96B	22.28B	21.56B	20.26B	19.23B
Property, Plant & Equipment	2.77B	2.74B	2.69B	2.69B	2.65B
Goodwill	238.99M	237.16M	233.21M	231.68M	193.07M
Other Intangible Assets	223.88M	225.14M	218.19M	215.90M	216.80M
Investments in Real Estate	2.05B	2.06B	2.06B	2.05B	2.06B
Other Current Assets	2.31B	2.28B	2.08B	2.20B	2.31B
Other Long-Term Assets	5.33B	1.83B	2.48B	2.34B	1.81B
Long-Term Leases	174.93M	162.12M	170.62M	181.15M	139.12M
Loans & Investments
Gross Loans	213.66B	200.62B	190.17B	175.28B	165.71B
Net Loans	188.61B	176.19B	166.66B	153.60B	145.54B
Allowance for Loan Losses	-4.26B	-4.46B	-4.49B	-4.39B	-4.54B
Investment Securities	44.27B	53.69B	54.71B	51.28B	37.49B
Trading Asset Securities	1.31B	2.12B	2.41B	1.90B	2.25B
Total Investments	45.58B	55.81B	57.12B	53.18B	39.74B
Other Adjustments to Gross Loans	-20.79B	-19.96B	-19.02B	-17.29B	-15.63B
Liabilities & Obligations
Total Liabilities	248.38B	239.19B	231.64B	216.60B	197.59B
Total Liabilities & Equity	280.75B	269.73B	260.35B	243.53B	225.91B
Accounts Payable	0.70B	1.17B	0.72B	0.75B	0.56B
Accrued Expenses	361.54M	291.40M	344.50M	269.54M	309.93M
Accrued Interest Payable	1.58B	1.69B	1.53B	1.67B	1.47B
Accrued Interest Receivable	1.02B	0.95B	0.96B	0.79B	0.68B
Long-Term Unearned Revenue	461.18M	433.32M	399.77M	423.15M	364.93M
Other Current Liabilities	2.39B	2.63B	2.44B	2.98B	2.84B
Other Long-Term Liabilities	2.21B	2.15B	2.59B	2.36B	2.04B
Pension & Post-Retirement Benefits	642.88M	562.59M	444.91M	384.50M	551.21M
Debt & Funding
Total Debt	5.40B	5.93B	2.01B	2.02B	1.99B
Long-Term Debt	5.20B	5.74B	1.84B	1.84B	1.84B
Short-Term Borrowings	25.64M	21.17M	3.59M	1.73M	11.19M
Total Deposits	234.64B	224.34B	221.16B	205.74B	187.47B
Interest Bearing Deposits	174.85B	163.48B	157.89B	147.22B	134.91B
Non-Interest Bearing Deposits	59.79B	60.86B	63.27B	58.51B	52.55B
Equity & Book Value
Shareholders' Equity	32.37B	30.54B	28.71B	26.93B	28.32B
Total Common Equity	30.82B	29.21B	27.51B	25.86B	27.35B
Common Stock	3.63B	3.63B	3.63B	3.63B	3.63B
Retained Earnings	23.09B	21.46B	20.04B	18.52B	20.12B
Comprehensive Income & Other	4.10B	4.11B	3.84B	3.70B	3.59B
Minority Interest	1.55B	1.34B	1.19B	1.07B	0.97B
Book Value Per Share	7.18	6.73	6.27	5.81	6.22
Tangible Book Value	30.36B	28.74B	27.06B	25.41B	26.94B
Tangible Book Value Per Share	7.05	6.61	6.14	5.69	6.11
Filing Date Shares Outstanding	3.63B	3.63B	3.63B	3.63B	3.63B
Total Common Shares Outstanding	3.63B	3.63B	3.63B	3.63B	3.63B
Supplemental
Other Real Estate Owned & Foreclosed	193.82M	233.30M	132.45M	90.53M	88.43M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Assets
Cash & Equivalents	6.91B	2.18B	2.26B	3.05B	8.80B
Total Assets	280.75B	269.73B	260.35B	243.53B	225.91B
Investment Securities	44.27B	53.69B	54.71B	51.28B	37.49B
Trading Assets	1.31B	2.12B	2.41B	1.90B	2.25B
Gross Loans	213.66B	200.62B	190.17B	175.28B	165.71B
Net Loans	188.61B	176.19B	166.66B	153.60B	145.54B
Allowance for Loan Losses	-4.26B	-4.46B	-4.49B	-4.39B	-4.54B
Liabilities
Total Deposits	234.64B	224.34B	221.16B	205.74B	187.47B
Interest-Bearing Deposits	174.85B	163.48B	157.89B	147.22B	134.91B
Non-Interest-Bearing Deposits	59.79B	60.86B	63.27B	58.51B	52.55B
Total Debt	5.40B	5.93B	2.01B	2.02B	1.99B
Total Liabilities	248.38B	239.19B	231.64B	216.60B	197.59B
Equity & Ownership
Total Equity	32.37B	30.54B	28.71B	26.93B	28.32B
Shares Outstanding	3,632,000,000	3,632,000,000	3,632,000,000	3,632,000,000	3,632,000,000
Cash & Assets
Total Assets	280.75B	269.73B	260.35B	243.53B	225.91B
Cash & Equivalents	6.91B	2.18B	2.26B	3.05B	8.80B
Net Cash (Debt)	19.54B	18.44B	24.07B	23.00B	18.62B
Net Cash Per Share	5.38	5.08	6.63	6.33	5.13
Net Cash Growth	+4.9%	-6.6%	+15.1%	+9.3%	-19.6%
Other Receivables	2.55B	2.72B	1.90B	2.83B	2.61B
Restricted Cash	22.96B	22.28B	21.56B	20.26B	19.23B
Property, Plant & Equipment	2.77B	2.74B	2.69B	2.69B	2.65B
Goodwill	238.99M	237.16M	233.21M	231.68M	193.07M
Other Intangible Assets	223.88M	225.14M	218.19M	215.90M	216.80M
Investments in Real Estate	2.05B	2.06B	2.06B	2.05B	2.06B
Other Current Assets	2.31B	2.28B	2.08B	2.20B	2.31B
Other Long-Term Assets	5.33B	1.83B	2.48B	2.34B	1.81B
Long-Term Leases	174.93M	162.12M	170.62M	181.15M	139.12M
Loans & Investments
Gross Loans	213.66B	200.62B	190.17B	175.28B	165.71B
Net Loans	188.61B	176.19B	166.66B	153.60B	145.54B
Allowance for Loan Losses	-4.26B	-4.46B	-4.49B	-4.39B	-4.54B
Investment Securities	44.27B	53.69B	54.71B	51.28B	37.49B
Trading Asset Securities	1.31B	2.12B	2.41B	1.90B	2.25B
Total Investments	45.58B	55.81B	57.12B	53.18B	39.74B
Other Adjustments to Gross Loans	-20.79B	-19.96B	-19.02B	-17.29B	-15.63B
Liabilities & Obligations
Total Liabilities	248.38B	239.19B	231.64B	216.60B	197.59B
Total Liabilities & Equity	280.75B	269.73B	260.35B	243.53B	225.91B
Accounts Payable	0.70B	1.17B	0.72B	0.75B	0.56B
Accrued Expenses	361.54M	291.40M	344.50M	269.54M	309.93M
Accrued Interest Payable	1.58B	1.69B	1.53B	1.67B	1.47B
Accrued Interest Receivable	1.02B	0.95B	0.96B	0.79B	0.68B
Long-Term Unearned Revenue	461.18M	433.32M	399.77M	423.15M	364.93M
Other Current Liabilities	2.39B	2.63B	2.44B	2.98B	2.84B
Other Long-Term Liabilities	2.21B	2.15B	2.59B	2.36B	2.04B
Pension & Post-Retirement Benefits	642.88M	562.59M	444.91M	384.50M	551.21M
Debt & Funding
Total Debt	5.40B	5.93B	2.01B	2.02B	1.99B
Long-Term Debt	5.20B	5.74B	1.84B	1.84B	1.84B
Short-Term Borrowings	25.64M	21.17M	3.59M	1.73M	11.19M
Total Deposits	234.64B	224.34B	221.16B	205.74B	187.47B
Interest Bearing Deposits	174.85B	163.48B	157.89B	147.22B	134.91B
Non-Interest Bearing Deposits	59.79B	60.86B	63.27B	58.51B	52.55B
Equity & Book Value
Shareholders' Equity	32.37B	30.54B	28.71B	26.93B	28.32B
Total Common Equity	30.82B	29.21B	27.51B	25.86B	27.35B
Common Stock	3.63B	3.63B	3.63B	3.63B	3.63B
Retained Earnings	23.09B	21.46B	20.04B	18.52B	20.12B
Comprehensive Income & Other	4.10B	4.11B	3.84B	3.70B	3.59B
Minority Interest	1.55B	1.34B	1.19B	1.07B	0.97B
Book Value Per Share	7.18	6.73	6.27	5.81	6.22
Tangible Book Value	30.36B	28.74B	27.06B	25.41B	26.94B
Tangible Book Value Per Share	7.05	6.61	6.14	5.69	6.11
Filing Date Shares Outstanding	3.63B	3.63B	3.63B	3.63B	3.63B
Total Common Shares Outstanding	3.63B	3.63B	3.63B	3.63B	3.63B
Supplemental
Other Real Estate Owned & Foreclosed	193.82M	233.30M	132.45M	90.53M	88.43M