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	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Operating Summary
Revenue	11.91B	11.63B	10.01B	8.53B	6.07B
Interest Income	15.08B	14.49B	12.04B	9.81B	5.43B
Interest Expense	5.88B	5.60B	4.54B	3.10B	0.89B
Pretax Income	8.26B	8.10B	6.87B	5.47B	3.68B
Income Tax	1.08B	1.03B	0.77B	0.22B	0.06B
Net Income	6.44B	6.34B	5.42B	4.66B	3.32B
Net Interest Income	9.19B	8.88B	7.50B	6.72B	4.54B
Non-Interest Income	3.44B	3.42B	3.14B	2.58B	2.30B
Non-Interest Expense	3.64B	3.52B	3.14B	3.06B	2.39B
Loan Loss Provisions	730.62M	677.82M	619.69M	760.26M	768.86M
EPS (Basic)	1.77	1.75	1.49	1.28	0.91
EPS (Diluted)	1.77	1.75	1.49	1.28	0.91
DPS	—	0.97	0.83	0.71	0.49
Margins & Efficiency
Net Margin %	+54.1%	+54.5%	+54.2%	+54.7%	+54.8%
Revenue & Income
Revenue	11.91B	11.63B	10.01B	8.53B	6.07B
Revenue	11.91B	11.63B	10.01B	8.53B	6.07B
Revenue Growth (YoY)	+2.4%	+16.1%	+17.3%	+40.7%	+31.7%
Revenues Before Loan Losses	12.64B	12.30B	10.63B	9.29B	6.84B
Interest Income on Loans	15.08B	14.49B	12.04B	9.81B	5.43B
Net Interest Income	9.19B	8.88B	7.50B	6.72B	4.54B
Net Interest Income Growth (YoY)	+3.5%	+18.5%	+11.6%	+48.0%	+19.2%
Non-Interest Income Growth (YoY)	+0.6%	+9.1%	+21.6%	+12.2%	+31.2%
Total Non-Interest Income	3.44B	3.42B	3.14B	2.58B	2.30B
Other Non-Interest Income	3.32B	3.25B	2.99B	2.46B	1.44B
Gain (Loss) on Sale of Assets	12.17M	12.17M	0.33M	—	—
Gain (Loss) on Sale of Equity Investments	111.92M	105.01M	99.89M	76.12M	915.45M
Gain (Loss) on Sale of Investments	1.70M	54.20M	40.99M	46.84M	-57.37M
Expenses & Provisions
Selling, General & Administrative	1.05B	1.01B	0.91B	0.87B	0.53B
Interest Paid on Deposits	5.88B	5.60B	4.54B	3.10B	0.89B
Total Non-Interest Expense	3.64B	3.52B	3.14B	3.06B	2.39B
Provision for Loan Losses	730.62M	677.82M	619.69M	760.26M	768.86M
Salaries and Employee Benefits	2.22B	2.14B	1.89B	1.85B	1.54B
Occupancy Expenses	359.91M	356.94M	329.13M	321.12M	271.55M
Amortization of Goodwill & Intangibles	9.43M	9.34M	10.48M	14.87M	43.51M
Profitability & Returns
EBT Excluding Unusual Items	8.26B	8.10B	6.87B	5.47B	3.68B
Pretax Income	8.26B	8.10B	6.87B	5.47B	3.68B
Profit Margin	+54.1%	+54.5%	+54.2%	+54.7%	+54.8%
Net Income	6.77B	6.67B	5.78B	5.00B	3.59B
Net Income to Common	6.44B	6.34B	5.42B	4.66B	3.32B
Net Income Growth	+1.5%	+15.5%	+15.5%	+39.4%	+54.0%
Earnings From Continuing Ops.	7.18B	7.07B	6.10B	5.25B	3.62B
Minority Interest in Earnings	-413.53M	-396.43M	-324.64M	-251.09M	-31.85M
Income Tax Expense	1.08B	1.03B	0.77B	0.22B	0.06B
Effective Tax Rate	+13.0%	+12.7%	+11.2%	+4.0%	+1.6%
Per Share & Capital
EPS (Basic)	1.77	1.75	1.49	1.28	0.91
EPS (Diluted)	1.77	1.75	1.49	1.28	0.91
EPS Growth	+1.5%	+16.9%	+16.3%	+40.4%	+60.2%
Dividend Per Share	—	0.97	0.83	0.71	0.49
Shares Outstanding (Basic)	3.63B	3.63B	3.63B	3.63B	3.63B
Shares Outstanding (Diluted)	3.63B	3.63B	3.63B	3.63B	3.63B
Dividend Growth	—	+16.3%	+16.8%	+45.8%	+57.6%
Free Cash Flow	-42.99B	-38.07B	-28.10B	-9.32B	-8.23B
Free Cash Flow Margin	-361.1%	-327.5%	-280.6%	-109.2%	-135.7%
Free Cash Flow Per Share	-11.84	-10.48	-7.74	-2.57	-2.27
Payout Ratio	+57.0%	+50.4%	+51.0%	+44.2%	+39.0%
Preferred Dividends & Other Adjustments	334.02M	334.02M	353.03M	336.79M	264.82M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

1-5

	2026Mar 31, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Operating Summary
Revenue	11.91B	11.63B	10.01B	8.53B	6.07B
Interest Income	15.08B	14.49B	12.04B	9.81B	5.43B
Interest Expense	5.88B	5.60B	4.54B	3.10B	0.89B
Pretax Income	8.26B	8.10B	6.87B	5.47B	3.68B
Income Tax	1.08B	1.03B	0.77B	0.22B	0.06B
Net Income	6.44B	6.34B	5.42B	4.66B	3.32B
Net Interest Income	9.19B	8.88B	7.50B	6.72B	4.54B
Non-Interest Income	3.44B	3.42B	3.14B	2.58B	2.30B
Non-Interest Expense	3.64B	3.52B	3.14B	3.06B	2.39B
Loan Loss Provisions	730.62M	677.82M	619.69M	760.26M	768.86M
EPS (Basic)	1.77	1.75	1.49	1.28	0.91
EPS (Diluted)	1.77	1.75	1.49	1.28	0.91
DPS	—	0.97	0.83	0.71	0.49
Margins & Efficiency
Net Margin %	+54.1%	+54.5%	+54.2%	+54.7%	+54.8%
Revenue & Income
Revenue	11.91B	11.63B	10.01B	8.53B	6.07B
Revenue	11.91B	11.63B	10.01B	8.53B	6.07B
Revenue Growth (YoY)	+2.4%	+16.1%	+17.3%	+40.7%	+31.7%
Revenues Before Loan Losses	12.64B	12.30B	10.63B	9.29B	6.84B
Interest Income on Loans	15.08B	14.49B	12.04B	9.81B	5.43B
Net Interest Income	9.19B	8.88B	7.50B	6.72B	4.54B
Net Interest Income Growth (YoY)	+3.5%	+18.5%	+11.6%	+48.0%	+19.2%
Non-Interest Income Growth (YoY)	+0.6%	+9.1%	+21.6%	+12.2%	+31.2%
Total Non-Interest Income	3.44B	3.42B	3.14B	2.58B	2.30B
Other Non-Interest Income	3.32B	3.25B	2.99B	2.46B	1.44B
Gain (Loss) on Sale of Assets	12.17M	12.17M	0.33M	—	—
Gain (Loss) on Sale of Equity Investments	111.92M	105.01M	99.89M	76.12M	915.45M
Gain (Loss) on Sale of Investments	1.70M	54.20M	40.99M	46.84M	-57.37M
Expenses & Provisions
Selling, General & Administrative	1.05B	1.01B	0.91B	0.87B	0.53B
Interest Paid on Deposits	5.88B	5.60B	4.54B	3.10B	0.89B
Total Non-Interest Expense	3.64B	3.52B	3.14B	3.06B	2.39B
Provision for Loan Losses	730.62M	677.82M	619.69M	760.26M	768.86M
Salaries and Employee Benefits	2.22B	2.14B	1.89B	1.85B	1.54B
Occupancy Expenses	359.91M	356.94M	329.13M	321.12M	271.55M
Amortization of Goodwill & Intangibles	9.43M	9.34M	10.48M	14.87M	43.51M
Profitability & Returns
EBT Excluding Unusual Items	8.26B	8.10B	6.87B	5.47B	3.68B
Pretax Income	8.26B	8.10B	6.87B	5.47B	3.68B
Profit Margin	+54.1%	+54.5%	+54.2%	+54.7%	+54.8%
Net Income	6.77B	6.67B	5.78B	5.00B	3.59B
Net Income to Common	6.44B	6.34B	5.42B	4.66B	3.32B
Net Income Growth	+1.5%	+15.5%	+15.5%	+39.4%	+54.0%
Earnings From Continuing Ops.	7.18B	7.07B	6.10B	5.25B	3.62B
Minority Interest in Earnings	-413.53M	-396.43M	-324.64M	-251.09M	-31.85M
Income Tax Expense	1.08B	1.03B	0.77B	0.22B	0.06B
Effective Tax Rate	+13.0%	+12.7%	+11.2%	+4.0%	+1.6%
Per Share & Capital
EPS (Basic)	1.77	1.75	1.49	1.28	0.91
EPS (Diluted)	1.77	1.75	1.49	1.28	0.91
EPS Growth	+1.5%	+16.9%	+16.3%	+40.4%	+60.2%
Dividend Per Share	—	0.97	0.83	0.71	0.49
Shares Outstanding (Basic)	3.63B	3.63B	3.63B	3.63B	3.63B
Shares Outstanding (Diluted)	3.63B	3.63B	3.63B	3.63B	3.63B
Dividend Growth	—	+16.3%	+16.8%	+45.8%	+57.6%
Free Cash Flow	-42.99B	-38.07B	-28.10B	-9.32B	-8.23B
Free Cash Flow Margin	-361.1%	-327.5%	-280.6%	-109.2%	-135.7%
Free Cash Flow Per Share	-11.84	-10.48	-7.74	-2.57	-2.27
Payout Ratio	+57.0%	+50.4%	+51.0%	+44.2%	+39.0%
Preferred Dividends & Other Adjustments	334.02M	334.02M	353.03M	336.79M	264.82M