Abu Dhabi Islamic Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

1-5

	2026Mar 31, 2026	2025Mar 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Operations
Operating Cash Flow	-42.70B	-21.58B	-27.78B	-9.02B	-7.93B
Free Cash Flow	-42.99B	-21.94B	-28.10B	-9.32B	-8.23B
Capital Expenditures	-286.00M	-362.36M	-314.62M	-294.75M	-301.33M
Investing & Financing
Investing Cash Flow	-3.25B	-6.43B	-5.13B	-4.79B	-6.84B
Financing Cash Flow	35.41B	39.79B	31.93B	21.43B	12.67B
Dividends Paid	-3.86B	-3.38B	-2.95B	-2.21B	-1.40B
Share Repurchase	—	—	—	-2.75B	—
Operating Activities
Operating Cash Flow	-42.70B	-21.58B	-27.78B	-9.02B	-7.93B
Net Income	6.77B	6.04B	5.78B	5.00B	3.59B
Change in Other Net Operating Assets	-51.11B	-29.78B	-35.25B	-14.93B	-12.72B
Change in Trading Asset Securities	-255.11M	375.53M	113.42M	-323.06M	377.64M
Net Increase (Decrease) in Deposit Accounts	39.23B	43.24B	34.93B	21.82B	14.07B
Other Operating Activities	958.08M	979.72M	753.87M	246.58M	29.72M
Provision for Credit Losses	894.01M	785.17M	758.16M	587.90M	659.18M
Depreciation & Amortization	369.33M	344.79M	339.61M	336.00M	315.06M
Cash Interest Paid	5.84B	4.46B	4.25B	2.84B	0.45B
Cash Income Tax Paid	764.42M	353.15M	353.15M	—	—
Loss (Gain) on Equity Investments	-111.92M	-94.31M	-99.89M	-76.12M	-422.47M
Total Asset Writedown	-40.83M	-109.67M	-72.30M	91.40M	92.07M
Investing Activities
Investing Cash Flow	-3.25B	-6.43B	-5.13B	-4.79B	-6.84B
Capital Expenditures	-286.00M	-362.36M	-314.62M	-294.75M	-301.33M
Investment in Securities	-3.06B	-6.07B	-4.82B	-4.49B	-6.54B
Other Investing Activities	-90.12M	0.43M	0.43M	5.91M	1.02M
Gain (Loss) on Sale of Assets	-60.89M	-0.92M	0.06M	2.39M	11.09M
Gain (Loss) on Sale of Investments	-119.51M	-108.56M	-107.14M	39.81M	140.05M
Financing Activities
Financing Cash Flow	35.41B	39.79B	31.93B	21.43B	12.67B
Common Dividends Paid	-3.86B	-3.38B	-2.95B	-2.21B	-1.40B
Issuance of Common Stock	—	—	—	4.59B	—
Repurchase of Common Stock	—	—	—	-2.75B	—
Long-Term Debt Repaid	—	—	-50.25M	—	—
Total Debt Repaid	-62.90M	-62.65M	-50.25M	—	—
Net Debt Issued (Repaid)	-62.90M	-62.65M	-50.25M	—	—
Other Financing Activities	102.24M	-6.15M	-6.36M	-19.79M	-0.76M
Free Cash Flow & Returns
Free Cash Flow	-42.99B	-21.94B	-28.10B	-9.32B	-8.23B
Free Cash Flow Margin	-361.1%	-211.6%	-280.6%	-109.2%	-135.7%
Free Cash Flow Per Share	-11.84	-6.04	-7.74	-2.57	-2.27
Net Cash Flow	-10.56B	11.54B	-1.24B	7.62B	-2.10B
Foreign Exchange Rate Adjustments	-11.89M	-249.43M	-251.80M	—	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

1-5

	2026Mar 31, 2026	2025Mar 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Operations
Operating Cash Flow	-42.70B	-21.58B	-27.78B	-9.02B	-7.93B
Free Cash Flow	-42.99B	-21.94B	-28.10B	-9.32B	-8.23B
Capital Expenditures	-286.00M	-362.36M	-314.62M	-294.75M	-301.33M
Investing & Financing
Investing Cash Flow	-3.25B	-6.43B	-5.13B	-4.79B	-6.84B
Financing Cash Flow	35.41B	39.79B	31.93B	21.43B	12.67B
Dividends Paid	-3.86B	-3.38B	-2.95B	-2.21B	-1.40B
Share Repurchase	—	—	—	-2.75B	—
Operating Activities
Operating Cash Flow	-42.70B	-21.58B	-27.78B	-9.02B	-7.93B
Net Income	6.77B	6.04B	5.78B	5.00B	3.59B
Change in Other Net Operating Assets	-51.11B	-29.78B	-35.25B	-14.93B	-12.72B
Change in Trading Asset Securities	-255.11M	375.53M	113.42M	-323.06M	377.64M
Net Increase (Decrease) in Deposit Accounts	39.23B	43.24B	34.93B	21.82B	14.07B
Other Operating Activities	958.08M	979.72M	753.87M	246.58M	29.72M
Provision for Credit Losses	894.01M	785.17M	758.16M	587.90M	659.18M
Depreciation & Amortization	369.33M	344.79M	339.61M	336.00M	315.06M
Cash Interest Paid	5.84B	4.46B	4.25B	2.84B	0.45B
Cash Income Tax Paid	764.42M	353.15M	353.15M	—	—
Loss (Gain) on Equity Investments	-111.92M	-94.31M	-99.89M	-76.12M	-422.47M
Total Asset Writedown	-40.83M	-109.67M	-72.30M	91.40M	92.07M
Investing Activities
Investing Cash Flow	-3.25B	-6.43B	-5.13B	-4.79B	-6.84B
Capital Expenditures	-286.00M	-362.36M	-314.62M	-294.75M	-301.33M
Investment in Securities	-3.06B	-6.07B	-4.82B	-4.49B	-6.54B
Other Investing Activities	-90.12M	0.43M	0.43M	5.91M	1.02M
Gain (Loss) on Sale of Assets	-60.89M	-0.92M	0.06M	2.39M	11.09M
Gain (Loss) on Sale of Investments	-119.51M	-108.56M	-107.14M	39.81M	140.05M
Financing Activities
Financing Cash Flow	35.41B	39.79B	31.93B	21.43B	12.67B
Common Dividends Paid	-3.86B	-3.38B	-2.95B	-2.21B	-1.40B
Issuance of Common Stock	—	—	—	4.59B	—
Repurchase of Common Stock	—	—	—	-2.75B	—
Long-Term Debt Repaid	—	—	-50.25M	—	—
Total Debt Repaid	-62.90M	-62.65M	-50.25M	—	—
Net Debt Issued (Repaid)	-62.90M	-62.65M	-50.25M	—	—
Other Financing Activities	102.24M	-6.15M	-6.36M	-19.79M	-0.76M
Free Cash Flow & Returns
Free Cash Flow	-42.99B	-21.94B	-28.10B	-9.32B	-8.23B
Free Cash Flow Margin	-361.1%	-211.6%	-280.6%	-109.2%	-135.7%
Free Cash Flow Per Share	-11.84	-6.04	-7.74	-2.57	-2.27
Net Cash Flow	-10.56B	11.54B	-1.24B	7.62B	-2.10B
Foreign Exchange Rate Adjustments	-11.89M	-249.43M	-251.80M	—	—