Abu Dhabi Islamic Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	3.04B	2.99B	3.01B	2.86B	2.77B
Interest Income	3.87B	3.93B	3.79B	3.50B	3.27B
Interest Expense	1.53B	1.55B	1.51B	1.31B	1.25B
Pretax Income	2.10B	2.05B	2.09B	2.02B	1.94B
Income Tax	270.56M	294.84M	269.71M	240.58M	226.01M
Net Income	1.61B	1.59B	1.62B	1.61B	1.52B
Net Interest Income	2.34B	2.38B	2.28B	2.19B	2.03B
Non-Interest Income	863.02M	771.31M	935.32M	871.51M	844.01M
Non-Interest Expense	949.12M	939.72M	913.64M	841.88M	829.67M
Loan Loss Provisions	158.38M	166.71M	206.05M	199.48M	105.58M
EPS (Basic)	0.44	0.44	0.45	0.44	0.42
EPS (Diluted)	0.44	0.44	0.45	0.44	0.42
Margins & Efficiency
Net Margin %	+53.0%	+53.3%	+54.0%	+56.1%	+54.8%
Revenue & Income
Revenue	3.04B	2.99B	3.01B	2.86B	2.77B
Revenue	3.04B	2.99B	3.01B	2.86B	2.77B
Revenue Growth (YoY)	+10.1%	+21.2%	+15.8%	+12.7%	+14.9%
Revenues Before Loan Losses	3.20B	3.16B	3.21B	3.06B	2.87B
Interest Income on Loans	3.87B	3.93B	3.79B	3.50B	3.27B
Net Interest Income	2.34B	2.38B	2.28B	2.19B	2.03B
Net Interest Income Growth (YoY)	+15.4%	+22.7%	+26.2%	+19.1%	+6.3%
Non-Interest Income Growth (YoY)	+2.3%	+11.2%	+11.4%	-12.2%	+38.4%
Total Non-Interest Income	863.02M	771.31M	935.32M	871.51M	844.01M
Other Non-Interest Income	860.99M	743.55M	874.53M	836.30M	796.39M
Gain (Loss) on Sale of Assets	—	12.17M	—	—	—
Gain (Loss) on Sale of Equity Investments	31.35M	29.28M	26.14M	25.15M	24.45M
Gain (Loss) on Sale of Investments	-29.33M	-13.68M	34.66M	10.06M	23.17M
Expenses & Provisions
Selling, General & Administrative	287.54M	266.30M	253.30M	246.36M	247.76M
Interest Paid on Deposits	1.53B	1.55B	1.51B	1.31B	1.25B
Total Non-Interest Expense	949.12M	939.72M	913.64M	841.88M	829.67M
Provision for Loan Losses	158.38M	166.71M	206.05M	199.48M	105.58M
Salaries and Employee Benefits	568.30M	578.96M	568.93M	505.33M	491.69M
Occupancy Expenses	90.91M	92.04M	89.05M	87.91M	87.94M
Amortization of Goodwill & Intangibles	2.36M	2.42M	2.36M	2.28M	2.28M
Profitability & Returns
EBT Excluding Unusual Items	2.10B	2.05B	2.09B	2.02B	1.94B
Pretax Income	2.10B	2.05B	2.09B	2.02B	1.94B
Profit Margin	+53.0%	+53.3%	+54.0%	+56.1%	+54.8%
Net Income	1.71B	1.66B	1.72B	1.68B	1.62B
Net Income to Common	1.61B	1.59B	1.62B	1.61B	1.52B
Net Income Growth	+6.1%	+19.3%	+12.1%	+12.3%	+19.1%
Earnings From Continuing Ops.	1.83B	1.75B	1.83B	1.78B	1.71B
Minority Interest in Earnings	-111.34M	-97.56M	-100.72M	-103.92M	-94.24M
Income Tax Expense	270.56M	294.84M	269.71M	240.58M	226.01M
Effective Tax Rate	+12.9%	+14.4%	+12.9%	+11.9%	+11.7%
Per Share & Capital
EPS (Basic)	0.44	0.44	0.45	0.44	0.42
EPS (Diluted)	0.44	0.44	0.45	0.44	0.42
EPS Growth	+6.4%	+21.2%	+13.0%	+13.5%	+20.6%
Dividend Per Share	—	0.97	—	—	—
Shares Change (YoY)	—	—	—	—	—
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%	—	—	—
Free Cash Flow	-10.67B	-14.11B	-7.67B	-10.54B	-5.32B
Free Cash Flow Margin	-350.4%	-472.0%	-255.0%	-368.2%	-192.4%
Free Cash Flow Per Share	-2.94	-3.88	-2.11	-2.90	-1.47
Payout Ratio	+211.5%	+3.9%	+5.8%	+4.1%	+193.7%
Preferred Dividends & Other Adjustments	99.85M	65.03M	99.85M	69.30M	99.85M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	3.04B	2.99B	3.01B	2.86B	2.77B
Interest Income	3.87B	3.93B	3.79B	3.50B	3.27B
Interest Expense	1.53B	1.55B	1.51B	1.31B	1.25B
Pretax Income	2.10B	2.05B	2.09B	2.02B	1.94B
Income Tax	270.56M	294.84M	269.71M	240.58M	226.01M
Net Income	1.61B	1.59B	1.62B	1.61B	1.52B
Net Interest Income	2.34B	2.38B	2.28B	2.19B	2.03B
Non-Interest Income	863.02M	771.31M	935.32M	871.51M	844.01M
Non-Interest Expense	949.12M	939.72M	913.64M	841.88M	829.67M
Loan Loss Provisions	158.38M	166.71M	206.05M	199.48M	105.58M
EPS (Basic)	0.44	0.44	0.45	0.44	0.42
EPS (Diluted)	0.44	0.44	0.45	0.44	0.42
Margins & Efficiency
Net Margin %	+53.0%	+53.3%	+54.0%	+56.1%	+54.8%
Revenue & Income
Revenue	3.04B	2.99B	3.01B	2.86B	2.77B
Revenue	3.04B	2.99B	3.01B	2.86B	2.77B
Revenue Growth (YoY)	+10.1%	+21.2%	+15.8%	+12.7%	+14.9%
Revenues Before Loan Losses	3.20B	3.16B	3.21B	3.06B	2.87B
Interest Income on Loans	3.87B	3.93B	3.79B	3.50B	3.27B
Net Interest Income	2.34B	2.38B	2.28B	2.19B	2.03B
Net Interest Income Growth (YoY)	+15.4%	+22.7%	+26.2%	+19.1%	+6.3%
Non-Interest Income Growth (YoY)	+2.3%	+11.2%	+11.4%	-12.2%	+38.4%
Total Non-Interest Income	863.02M	771.31M	935.32M	871.51M	844.01M
Other Non-Interest Income	860.99M	743.55M	874.53M	836.30M	796.39M
Gain (Loss) on Sale of Assets	—	12.17M	—	—	—
Gain (Loss) on Sale of Equity Investments	31.35M	29.28M	26.14M	25.15M	24.45M
Gain (Loss) on Sale of Investments	-29.33M	-13.68M	34.66M	10.06M	23.17M
Expenses & Provisions
Selling, General & Administrative	287.54M	266.30M	253.30M	246.36M	247.76M
Interest Paid on Deposits	1.53B	1.55B	1.51B	1.31B	1.25B
Total Non-Interest Expense	949.12M	939.72M	913.64M	841.88M	829.67M
Provision for Loan Losses	158.38M	166.71M	206.05M	199.48M	105.58M
Salaries and Employee Benefits	568.30M	578.96M	568.93M	505.33M	491.69M
Occupancy Expenses	90.91M	92.04M	89.05M	87.91M	87.94M
Amortization of Goodwill & Intangibles	2.36M	2.42M	2.36M	2.28M	2.28M
Profitability & Returns
EBT Excluding Unusual Items	2.10B	2.05B	2.09B	2.02B	1.94B
Pretax Income	2.10B	2.05B	2.09B	2.02B	1.94B
Profit Margin	+53.0%	+53.3%	+54.0%	+56.1%	+54.8%
Net Income	1.71B	1.66B	1.72B	1.68B	1.62B
Net Income to Common	1.61B	1.59B	1.62B	1.61B	1.52B
Net Income Growth	+6.1%	+19.3%	+12.1%	+12.3%	+19.1%
Earnings From Continuing Ops.	1.83B	1.75B	1.83B	1.78B	1.71B
Minority Interest in Earnings	-111.34M	-97.56M	-100.72M	-103.92M	-94.24M
Income Tax Expense	270.56M	294.84M	269.71M	240.58M	226.01M
Effective Tax Rate	+12.9%	+14.4%	+12.9%	+11.9%	+11.7%
Per Share & Capital
EPS (Basic)	0.44	0.44	0.45	0.44	0.42
EPS (Diluted)	0.44	0.44	0.45	0.44	0.42
EPS Growth	+6.4%	+21.2%	+13.0%	+13.5%	+20.6%
Dividend Per Share	—	0.97	—	—	—
Shares Change (YoY)	—	—	—	—	—
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%	—	—	—
Free Cash Flow	-10.67B	-14.11B	-7.67B	-10.54B	-5.32B
Free Cash Flow Margin	-350.4%	-472.0%	-255.0%	-368.2%	-192.4%
Free Cash Flow Per Share	-2.94	-3.88	-2.11	-2.90	-1.47
Payout Ratio	+211.5%	+3.9%	+5.8%	+4.1%	+193.7%
Preferred Dividends & Other Adjustments	99.85M	65.03M	99.85M	69.30M	99.85M