Emirates Investment Bank

Emirates Investment Bank PJSC

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Financials

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	0.96B	1.19B	0.65B	0.82B	0.52B
Total Assets	4.88B	5.12B	4.54B	3.89B	2.87B
Investment Securities	2.63B	2.72B	2.29B	1.54B	0.92B
Trading Assets	16.03M	18.49M	—	—	—
Gross Loans	0.93B	0.91B	0.49B	1.02B	0.94B
Net Loans	929.39M	898.14M	484.95M	991.00M	914.47M
Allowance for Loan Losses	-4.79M	-11.00M	-8.66M	-23.44M	-23.97M
Liabilities
Total Deposits	3.31B	3.68B	3.20B	3.38B	2.13B
Interest-Bearing Deposits	1.73B	2.63B	1.95B	1.98B	1.42B
Non-Interest-Bearing Deposits	1.58B	1.05B	1.25B	1.40B	0.70B
Total Debt	7.51M	12.30M	8.89M	12.37M	219.91M
Total Liabilities	3.39B	3.77B	3.33B	3.46B	2.39B
Equity & Ownership
Total Equity	1.49B	1.35B	1.21B	0.43B	0.48B
Shares Outstanding	10,000,000	10,000,000	10,000,000	3,500,000	3,500,000
Cash & Assets
Total Assets	4.88B	5.12B	4.54B	3.89B	2.87B
Cash & Equivalents	0.96B	1.19B	0.65B	0.82B	0.52B
Net Cash (Debt)	0.97B	1.19B	0.64B	0.81B	0.30B
Net Cash Per Share	96.93	119.20	86.99	220.84	86.15
Net Cash Growth	-18.7%	+86.3%	-20.7%	+167.7%	-61.7%
Other Receivables	14.29M	8.21M	10.61M	101.78M	13.03M
Restricted Cash	0.23B	0.23B	1.07B	0.40B	0.03B
Property, Plant & Equipment	11.51M	15.39M	12.33M	15.16M	19.06M
Other Intangible Assets	35.44M	0.49M	0.84M	1.25M	1.03M
Other Current Assets	6.49M	3.41M	—	—	—
Other Long-Term Assets	—	—	—	—	438.00M
Long-Term Deferred Tax Assets	—	190.00K	—	—	—
Long-Term Leases	4.41M	7.51M	5.36M	8.89M	12.37M
Current Portion of Leases	3.10M	4.79M	3.52M	3.49M	3.45M
Loans & Investments
Gross Loans	0.93B	0.91B	0.49B	1.02B	0.94B
Net Loans	929.39M	898.14M	484.95M	991.00M	914.47M
Allowance for Loan Losses	-4.79M	-11.00M	-8.66M	-23.44M	-23.97M
Investment Securities	2.63B	2.72B	2.29B	1.54B	0.92B
Trading Asset Securities	16.03M	18.49M	—	—	—
Total Investments	2.65B	2.74B	2.29B	1.54B	0.92B
Other Adjustments to Gross Loans	—	-0.51M	-0.09M	-4.62M	-3.17M
Liabilities & Obligations
Total Liabilities	3.39B	3.77B	3.33B	3.46B	2.39B
Total Liabilities & Equity	4.88B	5.12B	4.54B	3.89B	2.87B
Accrued Expenses	427.00K	142.00K	773.00K	332.00K	511.00K
Accrued Interest Payable	20.12M	25.23M	18.42M	45.16M	25.17M
Accrued Interest Receivable	37.50M	37.30M	23.22M	16.64M	13.50M
Current Income Taxes Payable	11.64M	11.44M	—	—	—
Other Long-Term Liabilities	29.37M	36.23M	94.94M	15.52M	12.09M
Pension & Post-Retirement Benefits	9.07M	8.72M	7.35M	6.45M	5.57M
Long-Term Deferred Tax Liabilities	3.62M	—	—	—	—
Debt & Funding
Total Debt	7.51M	12.30M	8.89M	12.37M	219.91M
Short-Term Borrowings	—	—	—	—	204.10M
Total Deposits	3.31B	3.68B	3.20B	3.38B	2.13B
Interest Bearing Deposits	1.73B	2.63B	1.95B	1.98B	1.42B
Non-Interest Bearing Deposits	1.58B	1.05B	1.25B	1.40B	0.70B
Equity & Book Value
Shareholders' Equity	1.49B	1.35B	1.21B	0.43B	0.48B
Total Common Equity	1.49B	1.35B	1.21B	0.43B	0.48B
Common Stock	1.00B	1.00B	1.00B	0.07B	0.07B
Retained Earnings	394.14M	312.65M	203.24M	376.97M	400.64M
Comprehensive Income & Other	91.77M	33.49M	11.09M	-20.28M	10.24M
Minority Interest	—	—	—	228.00K	228.00K
Book Value Per Share	148.59	134.61	121.43	121.91	137.39
Tangible Book Value	1.45B	1.35B	1.21B	0.43B	0.48B
Tangible Book Value Per Share	145.05	134.57	121.35	121.55	137.10
Filing Date Shares Outstanding	10.00M	10.00M	10.00M	3.50M	3.50M
Total Common Shares Outstanding	10.00M	10.00M	10.00M	3.50M	3.50M

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	0.96B	1.19B	0.65B	0.82B	0.52B
Total Assets	4.88B	5.12B	4.54B	3.89B	2.87B
Investment Securities	2.63B	2.72B	2.29B	1.54B	0.92B
Trading Assets	16.03M	18.49M	—	—	—
Gross Loans	0.93B	0.91B	0.49B	1.02B	0.94B
Net Loans	929.39M	898.14M	484.95M	991.00M	914.47M
Allowance for Loan Losses	-4.79M	-11.00M	-8.66M	-23.44M	-23.97M
Liabilities
Total Deposits	3.31B	3.68B	3.20B	3.38B	2.13B
Interest-Bearing Deposits	1.73B	2.63B	1.95B	1.98B	1.42B
Non-Interest-Bearing Deposits	1.58B	1.05B	1.25B	1.40B	0.70B
Total Debt	7.51M	12.30M	8.89M	12.37M	219.91M
Total Liabilities	3.39B	3.77B	3.33B	3.46B	2.39B
Equity & Ownership
Total Equity	1.49B	1.35B	1.21B	0.43B	0.48B
Shares Outstanding	10,000,000	10,000,000	10,000,000	3,500,000	3,500,000
Cash & Assets
Total Assets	4.88B	5.12B	4.54B	3.89B	2.87B
Cash & Equivalents	0.96B	1.19B	0.65B	0.82B	0.52B
Net Cash (Debt)	0.97B	1.19B	0.64B	0.81B	0.30B
Net Cash Per Share	96.93	119.20	86.99	220.84	86.15
Net Cash Growth	-18.7%	+86.3%	-20.7%	+167.7%	-61.7%
Other Receivables	14.29M	8.21M	10.61M	101.78M	13.03M
Restricted Cash	0.23B	0.23B	1.07B	0.40B	0.03B
Property, Plant & Equipment	11.51M	15.39M	12.33M	15.16M	19.06M
Other Intangible Assets	35.44M	0.49M	0.84M	1.25M	1.03M
Other Current Assets	6.49M	3.41M	—	—	—
Other Long-Term Assets	—	—	—	—	438.00M
Long-Term Deferred Tax Assets	—	190.00K	—	—	—
Long-Term Leases	4.41M	7.51M	5.36M	8.89M	12.37M
Current Portion of Leases	3.10M	4.79M	3.52M	3.49M	3.45M
Loans & Investments
Gross Loans	0.93B	0.91B	0.49B	1.02B	0.94B
Net Loans	929.39M	898.14M	484.95M	991.00M	914.47M
Allowance for Loan Losses	-4.79M	-11.00M	-8.66M	-23.44M	-23.97M
Investment Securities	2.63B	2.72B	2.29B	1.54B	0.92B
Trading Asset Securities	16.03M	18.49M	—	—	—
Total Investments	2.65B	2.74B	2.29B	1.54B	0.92B
Other Adjustments to Gross Loans	—	-0.51M	-0.09M	-4.62M	-3.17M
Liabilities & Obligations
Total Liabilities	3.39B	3.77B	3.33B	3.46B	2.39B
Total Liabilities & Equity	4.88B	5.12B	4.54B	3.89B	2.87B
Accrued Expenses	427.00K	142.00K	773.00K	332.00K	511.00K
Accrued Interest Payable	20.12M	25.23M	18.42M	45.16M	25.17M
Accrued Interest Receivable	37.50M	37.30M	23.22M	16.64M	13.50M
Current Income Taxes Payable	11.64M	11.44M	—	—	—
Other Long-Term Liabilities	29.37M	36.23M	94.94M	15.52M	12.09M
Pension & Post-Retirement Benefits	9.07M	8.72M	7.35M	6.45M	5.57M
Long-Term Deferred Tax Liabilities	3.62M	—	—	—	—
Debt & Funding
Total Debt	7.51M	12.30M	8.89M	12.37M	219.91M
Short-Term Borrowings	—	—	—	—	204.10M
Total Deposits	3.31B	3.68B	3.20B	3.38B	2.13B
Interest Bearing Deposits	1.73B	2.63B	1.95B	1.98B	1.42B
Non-Interest Bearing Deposits	1.58B	1.05B	1.25B	1.40B	0.70B
Equity & Book Value
Shareholders' Equity	1.49B	1.35B	1.21B	0.43B	0.48B
Total Common Equity	1.49B	1.35B	1.21B	0.43B	0.48B
Common Stock	1.00B	1.00B	1.00B	0.07B	0.07B
Retained Earnings	394.14M	312.65M	203.24M	376.97M	400.64M
Comprehensive Income & Other	91.77M	33.49M	11.09M	-20.28M	10.24M
Minority Interest	—	—	—	228.00K	228.00K
Book Value Per Share	148.59	134.61	121.43	121.91	137.39
Tangible Book Value	1.45B	1.35B	1.21B	0.43B	0.48B
Tangible Book Value Per Share	145.05	134.57	121.35	121.55	137.10
Filing Date Shares Outstanding	10.00M	10.00M	10.00M	3.50M	3.50M
Total Common Shares Outstanding	10.00M	10.00M	10.00M	3.50M	3.50M