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
Operating Summary
Revenue	2.99B	3.01B	2.86B	2.77B	2.47B
Interest Income	3.93B	3.79B	3.50B	3.27B	3.17B
Interest Expense	1.55B	1.51B	1.31B	1.25B	1.23B
Pretax Income	2.05B	2.09B	2.02B	1.94B	1.64B
Income Tax	294.84M	269.71M	240.58M	226.01M	178.16M
Net Income	1.59B	1.62B	1.61B	1.52B	1.31B
Net Interest Income	2.38B	2.28B	2.19B	2.03B	1.94B
Non-Interest Income	771.31M	935.32M	871.51M	844.01M	693.56M
Non-Interest Expense	939.72M	913.64M	841.88M	829.67M	820.61M
Loan Loss Provisions	166.71M	206.05M	199.48M	105.58M	171.70M
EPS (Basic)	0.44	0.45	0.44	0.42	0.36
EPS (Diluted)	0.44	0.45	0.44	0.42	0.36
Margins & Efficiency
Net Margin %	+53.3%	+54.0%	+56.1%	+54.8%	+53.3%
Revenue & Income
Revenue	2.99B	3.01B	2.86B	2.77B	2.47B
Revenue	2.99B	3.01B	2.86B	2.77B	2.47B
Revenue Growth (YoY)	+21.2%	+15.8%	+12.7%	+14.9%	+2.3%
Revenues Before Loan Losses	3.16B	3.21B	3.06B	2.87B	2.64B
Interest Income on Loans	3.93B	3.79B	3.50B	3.27B	3.17B
Net Interest Income	2.38B	2.28B	2.19B	2.03B	1.94B
Net Interest Income Growth (YoY)	+22.7%	+26.2%	+19.1%	+6.3%	+8.8%
Non-Interest Income Growth (YoY)	+11.2%	+11.4%	-12.2%	+38.4%	-14.7%
Total Non-Interest Income	771.31M	935.32M	871.51M	844.01M	693.56M
Other Non-Interest Income	743.55M	874.53M	836.30M	803.64M	697.89M
Gain (Loss) on Sale of Assets	12.17M	—	—	—	0.33M
Gain (Loss) on Sale of Equity Investments	29.28M	26.14M	25.15M	24.45M	30.48M
Gain (Loss) on Sale of Investments	-13.68M	34.66M	10.06M	15.92M	-35.14M
Expenses & Provisions
Selling, General & Administrative	266.30M	253.30M	246.36M	247.76M	237.93M
Interest Paid on Deposits	1.55B	1.51B	1.31B	1.25B	1.23B
Total Non-Interest Expense	939.72M	913.64M	841.88M	829.67M	820.61M
Provision for Loan Losses	166.71M	206.05M	199.48M	105.58M	171.70M
Salaries and Employee Benefits	578.96M	568.93M	505.33M	491.69M	496.82M
Occupancy Expenses	92.04M	89.05M	87.91M	87.94M	83.53M
Amortization of Goodwill & Intangibles	2.42M	2.36M	2.28M	2.28M	2.32M
Profitability & Returns
EBT Excluding Unusual Items	2.05B	2.09B	2.02B	1.94B	1.64B
Pretax Income	2.05B	2.09B	2.02B	1.94B	1.64B
Profit Margin	+53.3%	+54.0%	+56.1%	+54.8%	+53.3%
Net Income	1.66B	1.72B	1.68B	1.62B	1.39B
Net Income to Common	1.59B	1.62B	1.61B	1.52B	1.31B
Net Income Growth	+19.3%	+12.1%	+12.3%	+19.1%	-2.1%
Earnings From Continuing Ops.	1.75B	1.83B	1.78B	1.71B	1.47B
Minority Interest in Earnings	-97.56M	-100.72M	-103.92M	-94.24M	-77.95M
Income Tax Expense	294.84M	269.71M	240.58M	226.01M	178.16M
Effective Tax Rate	+14.4%	+12.9%	+11.9%	+11.7%	+10.8%
Per Share & Capital
EPS (Basic)	0.44	0.45	0.44	0.42	0.36
EPS (Diluted)	0.44	0.45	0.44	0.42	0.36
EPS Growth	+21.2%	+13.0%	+13.5%	+20.6%	-2.3%
Dividend Per Share	0.97	—	—	—	0.83
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%	—	—	—	+16.8%
Free Cash Flow	-14.11B	-7.67B	-10.54B	-5.75B	-3.85B
Free Cash Flow Margin	-472.0%	-255.0%	-368.2%	-207.9%	-156.3%
Free Cash Flow Per Share	-3.88	-2.11	-2.90	-1.58	-1.06
Payout Ratio	+3.9%	+5.8%	+4.1%	+193.7%	+5.5%
Preferred Dividends & Other Adjustments	65.03M	99.85M	69.30M	99.85M	75.75M

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
Operating Summary
Revenue	2.99B	3.01B	2.86B	2.77B	2.47B
Interest Income	3.93B	3.79B	3.50B	3.27B	3.17B
Interest Expense	1.55B	1.51B	1.31B	1.25B	1.23B
Pretax Income	2.05B	2.09B	2.02B	1.94B	1.64B
Income Tax	294.84M	269.71M	240.58M	226.01M	178.16M
Net Income	1.59B	1.62B	1.61B	1.52B	1.31B
Net Interest Income	2.38B	2.28B	2.19B	2.03B	1.94B
Non-Interest Income	771.31M	935.32M	871.51M	844.01M	693.56M
Non-Interest Expense	939.72M	913.64M	841.88M	829.67M	820.61M
Loan Loss Provisions	166.71M	206.05M	199.48M	105.58M	171.70M
EPS (Basic)	0.44	0.45	0.44	0.42	0.36
EPS (Diluted)	0.44	0.45	0.44	0.42	0.36
Margins & Efficiency
Net Margin %	+53.3%	+54.0%	+56.1%	+54.8%	+53.3%
Revenue & Income
Revenue	2.99B	3.01B	2.86B	2.77B	2.47B
Revenue	2.99B	3.01B	2.86B	2.77B	2.47B
Revenue Growth (YoY)	+21.2%	+15.8%	+12.7%	+14.9%	+2.3%
Revenues Before Loan Losses	3.16B	3.21B	3.06B	2.87B	2.64B
Interest Income on Loans	3.93B	3.79B	3.50B	3.27B	3.17B
Net Interest Income	2.38B	2.28B	2.19B	2.03B	1.94B
Net Interest Income Growth (YoY)	+22.7%	+26.2%	+19.1%	+6.3%	+8.8%
Non-Interest Income Growth (YoY)	+11.2%	+11.4%	-12.2%	+38.4%	-14.7%
Total Non-Interest Income	771.31M	935.32M	871.51M	844.01M	693.56M
Other Non-Interest Income	743.55M	874.53M	836.30M	803.64M	697.89M
Gain (Loss) on Sale of Assets	12.17M	—	—	—	0.33M
Gain (Loss) on Sale of Equity Investments	29.28M	26.14M	25.15M	24.45M	30.48M
Gain (Loss) on Sale of Investments	-13.68M	34.66M	10.06M	15.92M	-35.14M
Expenses & Provisions
Selling, General & Administrative	266.30M	253.30M	246.36M	247.76M	237.93M
Interest Paid on Deposits	1.55B	1.51B	1.31B	1.25B	1.23B
Total Non-Interest Expense	939.72M	913.64M	841.88M	829.67M	820.61M
Provision for Loan Losses	166.71M	206.05M	199.48M	105.58M	171.70M
Salaries and Employee Benefits	578.96M	568.93M	505.33M	491.69M	496.82M
Occupancy Expenses	92.04M	89.05M	87.91M	87.94M	83.53M
Amortization of Goodwill & Intangibles	2.42M	2.36M	2.28M	2.28M	2.32M
Profitability & Returns
EBT Excluding Unusual Items	2.05B	2.09B	2.02B	1.94B	1.64B
Pretax Income	2.05B	2.09B	2.02B	1.94B	1.64B
Profit Margin	+53.3%	+54.0%	+56.1%	+54.8%	+53.3%
Net Income	1.66B	1.72B	1.68B	1.62B	1.39B
Net Income to Common	1.59B	1.62B	1.61B	1.52B	1.31B
Net Income Growth	+19.3%	+12.1%	+12.3%	+19.1%	-2.1%
Earnings From Continuing Ops.	1.75B	1.83B	1.78B	1.71B	1.47B
Minority Interest in Earnings	-97.56M	-100.72M	-103.92M	-94.24M	-77.95M
Income Tax Expense	294.84M	269.71M	240.58M	226.01M	178.16M
Effective Tax Rate	+14.4%	+12.9%	+11.9%	+11.7%	+10.8%
Per Share & Capital
EPS (Basic)	0.44	0.45	0.44	0.42	0.36
EPS (Diluted)	0.44	0.45	0.44	0.42	0.36
EPS Growth	+21.2%	+13.0%	+13.5%	+20.6%	-2.3%
Dividend Per Share	0.97	—	—	—	0.83
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%	—	—	—	+16.8%
Free Cash Flow	-14.11B	-7.67B	-10.54B	-5.75B	-3.85B
Free Cash Flow Margin	-472.0%	-255.0%	-368.2%	-207.9%	-156.3%
Free Cash Flow Per Share	-3.88	-2.11	-2.90	-1.58	-1.06
Payout Ratio	+3.9%	+5.8%	+4.1%	+193.7%	+5.5%
Preferred Dividends & Other Adjustments	65.03M	99.85M	69.30M	99.85M	75.75M