Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	3.88B	2.52B	4.18B	2.11B	2.16B
Total Assets	32.86B	22.85B	24.94B	21.11B	22.34B
Investment Securities	5.66B	3.63B	2.97B	2.51B	2.82B
Trading Assets	37.64M	68.02M	69.94M	0.02M	0.33M
Gross Loans	19.08B	14.44B	15.10B	13.82B	16.87B
Net Loans	17.73B	12.96B	13.78B	12.63B	15.16B
Allowance for Loan Losses	-687.27M	-846.34M	-633.82M	-491.68M	-900.74M
Liabilities
Total Deposits	26.63B	19.04B	21.33B	18.32B	19.47B
Interest-Bearing Deposits	21.53B	14.66B	16.45B	14.23B	15.86B
Non-Interest-Bearing Deposits	5.11B	4.38B	4.88B	4.09B	3.61B
Total Debt	1.83B	0.01B	0.01B	0.01B	0.01B
Total Liabilities	29.39B	19.74B	22.26B	18.60B	19.71B
Equity & Ownership
Total Equity	3.47B	3.11B	2.67B	2.52B	2.63B
Shares Outstanding	2,719,523,000	2,689,021,457	2,695,825,241	2,173,500,000	2,173,500,000
Cash & Assets
Total Assets	32.86B	22.85B	24.94B	21.11B	22.34B
Cash & Equivalents	3.88B	2.52B	4.18B	2.11B	2.16B
Net Cash (Debt)	2.08B	2.57B	4.24B	2.10B	2.15B
Net Cash Per Share	0.77	0.96	1.66	0.86	0.99
Net Cash Growth	-19.1%	-39.3%	+102.2%	-2.6%	+269.8%
Other Receivables	3.05B	1.43B	1.30B	1.63B	0.09B
Restricted Cash	1.04B	0.93B	0.72B	0.48B	0.43B
Property, Plant & Equipment	171.60M	136.41M	125.79M	127.08M	124.06M
Investments in Real Estate	401.20M	391.55M	385.76M	381.06M	359.74M
Other Current Assets	83.34M	29.05M	24.91M	22.21M	33.58M
Other Long-Term Assets	244.29M	153.37M	87.20M	66.95M	134.82M
Long-Term Leases	16.40M	12.45M	10.01M	8.20M	5.96M
Loans & Investments
Gross Loans	19.08B	14.44B	15.10B	13.82B	16.87B
Net Loans	17.73B	12.96B	13.78B	12.63B	15.16B
Allowance for Loan Losses	-687.27M	-846.34M	-633.82M	-491.68M	-900.74M
Investment Securities	5.66B	3.63B	2.97B	2.51B	2.82B
Trading Asset Securities	37.64M	68.02M	69.94M	0.02M	0.33M
Total Investments	5.70B	3.69B	3.04B	2.51B	2.82B
Other Adjustments to Gross Loans	-661.02M	-631.26M	-685.99M	-694.56M	-811.57M
Liabilities & Obligations
Total Liabilities	29.39B	19.74B	22.26B	18.60B	19.71B
Total Liabilities & Equity	32.86B	22.85B	24.94B	21.11B	22.34B
Accrued Expenses	44.79M	39.08M	24.92M	35.40M	21.99M
Accrued Interest Payable	302.38M	332.88M	391.64M	115.67M	115.99M
Accrued Interest Receivable	140.78M	105.27M	146.15M	100.76M	101.78M
Current Income Taxes Payable	47.89M	39.13M	—	—	—
Other Current Liabilities	256.34M	125.89M	66.59M	45.85M	89.56M
Other Long-Term Liabilities	262.00M	146.37M	437.92M	66.42M	—
Long-Term Deferred Tax Liabilities	12.52M	5.53M	—	—	—
Debt & Funding
Total Debt	1.83B	0.01B	0.01B	0.01B	0.01B
Long-Term Debt	1.82B	—	—	—	—
Total Deposits	26.63B	19.04B	21.33B	18.32B	19.47B
Interest Bearing Deposits	21.53B	14.66B	16.45B	14.23B	15.86B
Non-Interest Bearing Deposits	5.11B	4.38B	4.88B	4.09B	3.61B
Equity & Book Value
Shareholders' Equity	3.47B	3.11B	2.67B	2.52B	2.63B
Common Stock	2.72B	2.72B	2.72B	2.10B	2.10B
Retained Earnings	957.81M	640.86M	255.86M	749.47M	586.55M
Treasury Stock	-3.98M	-34.48M	-27.68M	—	—
Comprehensive Income & Other	-205.08M	-218.08M	-276.74M	-334.39M	-51.93M
Book Value Per Share	1.28	1.16	0.99	1.16	1.21
Tangible Book Value	3.47B	3.11B	2.67B	2.52B	2.63B
Tangible Book Value Per Share	1.28	1.16	0.99	1.16	1.21
Filing Date Shares Outstanding	2.72B	2.69B	2.70B	2.17B	2.17B
Total Common Shares Outstanding	2.72B	2.69B	2.70B	2.17B	2.17B
Supplemental
Other Real Estate Owned & Foreclosed	0.43B	0.51B	1.15B	1.05B	0.93B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	3.88B	2.52B	4.18B	2.11B	2.16B
Total Assets	32.86B	22.85B	24.94B	21.11B	22.34B
Investment Securities	5.66B	3.63B	2.97B	2.51B	2.82B
Trading Assets	37.64M	68.02M	69.94M	0.02M	0.33M
Gross Loans	19.08B	14.44B	15.10B	13.82B	16.87B
Net Loans	17.73B	12.96B	13.78B	12.63B	15.16B
Allowance for Loan Losses	-687.27M	-846.34M	-633.82M	-491.68M	-900.74M
Liabilities
Total Deposits	26.63B	19.04B	21.33B	18.32B	19.47B
Interest-Bearing Deposits	21.53B	14.66B	16.45B	14.23B	15.86B
Non-Interest-Bearing Deposits	5.11B	4.38B	4.88B	4.09B	3.61B
Total Debt	1.83B	0.01B	0.01B	0.01B	0.01B
Total Liabilities	29.39B	19.74B	22.26B	18.60B	19.71B
Equity & Ownership
Total Equity	3.47B	3.11B	2.67B	2.52B	2.63B
Shares Outstanding	2,719,523,000	2,689,021,457	2,695,825,241	2,173,500,000	2,173,500,000
Cash & Assets
Total Assets	32.86B	22.85B	24.94B	21.11B	22.34B
Cash & Equivalents	3.88B	2.52B	4.18B	2.11B	2.16B
Net Cash (Debt)	2.08B	2.57B	4.24B	2.10B	2.15B
Net Cash Per Share	0.77	0.96	1.66	0.86	0.99
Net Cash Growth	-19.1%	-39.3%	+102.2%	-2.6%	+269.8%
Other Receivables	3.05B	1.43B	1.30B	1.63B	0.09B
Restricted Cash	1.04B	0.93B	0.72B	0.48B	0.43B
Property, Plant & Equipment	171.60M	136.41M	125.79M	127.08M	124.06M
Investments in Real Estate	401.20M	391.55M	385.76M	381.06M	359.74M
Other Current Assets	83.34M	29.05M	24.91M	22.21M	33.58M
Other Long-Term Assets	244.29M	153.37M	87.20M	66.95M	134.82M
Long-Term Leases	16.40M	12.45M	10.01M	8.20M	5.96M
Loans & Investments
Gross Loans	19.08B	14.44B	15.10B	13.82B	16.87B
Net Loans	17.73B	12.96B	13.78B	12.63B	15.16B
Allowance for Loan Losses	-687.27M	-846.34M	-633.82M	-491.68M	-900.74M
Investment Securities	5.66B	3.63B	2.97B	2.51B	2.82B
Trading Asset Securities	37.64M	68.02M	69.94M	0.02M	0.33M
Total Investments	5.70B	3.69B	3.04B	2.51B	2.82B
Other Adjustments to Gross Loans	-661.02M	-631.26M	-685.99M	-694.56M	-811.57M
Liabilities & Obligations
Total Liabilities	29.39B	19.74B	22.26B	18.60B	19.71B
Total Liabilities & Equity	32.86B	22.85B	24.94B	21.11B	22.34B
Accrued Expenses	44.79M	39.08M	24.92M	35.40M	21.99M
Accrued Interest Payable	302.38M	332.88M	391.64M	115.67M	115.99M
Accrued Interest Receivable	140.78M	105.27M	146.15M	100.76M	101.78M
Current Income Taxes Payable	47.89M	39.13M	—	—	—
Other Current Liabilities	256.34M	125.89M	66.59M	45.85M	89.56M
Other Long-Term Liabilities	262.00M	146.37M	437.92M	66.42M	—
Long-Term Deferred Tax Liabilities	12.52M	5.53M	—	—	—
Debt & Funding
Total Debt	1.83B	0.01B	0.01B	0.01B	0.01B
Long-Term Debt	1.82B	—	—	—	—
Total Deposits	26.63B	19.04B	21.33B	18.32B	19.47B
Interest Bearing Deposits	21.53B	14.66B	16.45B	14.23B	15.86B
Non-Interest Bearing Deposits	5.11B	4.38B	4.88B	4.09B	3.61B
Equity & Book Value
Shareholders' Equity	3.47B	3.11B	2.67B	2.52B	2.63B
Common Stock	2.72B	2.72B	2.72B	2.10B	2.10B
Retained Earnings	957.81M	640.86M	255.86M	749.47M	586.55M
Treasury Stock	-3.98M	-34.48M	-27.68M	—	—
Comprehensive Income & Other	-205.08M	-218.08M	-276.74M	-334.39M	-51.93M
Book Value Per Share	1.28	1.16	0.99	1.16	1.21
Tangible Book Value	3.47B	3.11B	2.67B	2.52B	2.63B
Tangible Book Value Per Share	1.28	1.16	0.99	1.16	1.21
Filing Date Shares Outstanding	2.72B	2.69B	2.70B	2.17B	2.17B
Total Common Shares Outstanding	2.72B	2.69B	2.70B	2.17B	2.17B
Supplemental
Other Real Estate Owned & Foreclosed	0.43B	0.51B	1.15B	1.05B	0.93B

Financials

Annual (AED)

Ajman Bank

Annual (AED)