Emirates Investment Bank

Emirates Investment Bank PJSC

EIBANKStocksDubai Financial MarketDiversified Financials

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
Assets
Cash & Equivalents	0.96B	1.21B	0.90B	0.71B	1.19B
Total Assets	4.88B	5.00B	4.56B	4.59B	5.12B
Investment Securities	2.63B	2.58B	2.55B	2.71B	2.72B
Trading Assets	16.03M	16.23M	—	—	18.49M
Gross Loans	0.93B	0.86B	0.82B	0.87B	0.91B
Net Loans	929.39M	859.00M	818.85M	855.45M	898.14M
Allowance for Loan Losses	-4.79M	-4.13M	-4.17M	-11.93M	-11.00M
Liabilities
Total Deposits	3.31B	3.44B	3.05B	3.11B	3.68B
Interest-Bearing Deposits	1.73B	1.59B	1.59B	1.46B	2.63B
Non-Interest-Bearing Deposits	1.58B	1.85B	1.45B	1.65B	1.05B
Total Debt	7.51M	—	—	—	12.30M
Total Liabilities	3.39B	3.52B	3.13B	3.20B	3.77B
Equity & Ownership
Total Equity	1.49B	1.48B	1.42B	1.39B	1.35B
Shares Outstanding	10,000,000	10,000,000	10,000,000	10,000,000	10,000,000
Cash & Assets
Total Assets	4.88B	5.00B	4.56B	4.59B	5.12B
Cash & Equivalents	0.96B	1.21B	0.90B	0.71B	1.19B
Net Cash (Debt)	0.97B	1.22B	0.90B	0.71B	1.19B
Net Cash Per Share	96.93	122.49	90.14	70.70	119.20
Net Cash Growth	-18.7%	+14.1%	-19.0%	+2.0%	+86.3%
Other Receivables	14.29M	5.25M	5.32M	5.62M	8.21M
Restricted Cash	0.23B	0.25B	0.23B	0.25B	0.23B
Property, Plant & Equipment	11.51M	3.66M	2.55M	2.68M	15.39M
Other Intangible Assets	35.44M	9.87M	1.45M	0.40M	0.49M
Other Current Assets	6.49M	—	—	—	3.41M
Other Long-Term Assets	—	59.91M	54.98M	52.44M	—
Long-Term Deferred Tax Assets	—	—	—	—	190.00K
Long-Term Leases	4.41M	—	—	—	7.51M
Current Portion of Leases	3.10M	—	—	—	4.79M
Loans & Investments
Gross Loans	0.93B	0.86B	0.82B	0.87B	0.91B
Net Loans	929.39M	859.00M	818.85M	855.45M	898.14M
Allowance for Loan Losses	-4.79M	-4.13M	-4.17M	-11.93M	-11.00M
Investment Securities	2.63B	2.58B	2.55B	2.71B	2.72B
Trading Asset Securities	16.03M	16.23M	—	—	18.49M
Total Investments	2.65B	2.60B	2.55B	2.71B	2.74B
Other Adjustments to Gross Loans	—	—	—	-0.62M	-0.51M
Liabilities & Obligations
Total Liabilities	3.39B	3.52B	3.13B	3.20B	3.77B
Total Liabilities & Equity	4.88B	5.00B	4.56B	4.59B	5.12B
Accrued Expenses	0.43M	1.76M	1.33M	0.84M	0.14M
Accrued Interest Payable	20.12M	—	—	—	25.23M
Accrued Interest Receivable	37.50M	—	—	—	37.30M
Current Income Taxes Payable	11.64M	11.26M	18.80M	15.24M	11.44M
Other Long-Term Liabilities	29.37M	65.45M	64.24M	72.99M	36.23M
Pension & Post-Retirement Benefits	9.07M	—	—	—	8.72M
Long-Term Deferred Tax Liabilities	3.62M	3.54M	1.89M	1.10M	—
Debt & Funding
Total Debt	7.51M	—	—	—	12.30M
Short-Term Borrowings	—	—	—	—	—
Total Deposits	3.31B	3.44B	3.05B	3.11B	3.68B
Interest Bearing Deposits	1.73B	1.59B	1.59B	1.46B	2.63B
Non-Interest Bearing Deposits	1.58B	1.85B	1.45B	1.65B	1.05B
Equity & Book Value
Shareholders' Equity	1.49B	1.48B	1.42B	1.39B	1.35B
Total Common Equity	1.49B	1.48B	1.42B	1.39B	1.35B
Common Stock	1.00B	1.00B	1.00B	1.00B	1.00B
Retained Earnings	394.14M	380.81M	361.93M	338.06M	312.65M
Comprehensive Income & Other	91.77M	94.79M	62.36M	48.66M	33.49M
Minority Interest	—	—	—	—	—
Book Value Per Share	148.59	147.56	142.43	138.67	134.61
Tangible Book Value	1.45B	1.47B	1.42B	1.39B	1.35B
Tangible Book Value Per Share	145.05	146.57	142.28	138.63	134.57
Filing Date Shares Outstanding	10.00M	10.00M	10.00M	10.00M	10.00M
Total Common Shares Outstanding	10.00M	10.00M	10.00M	10.00M	10.00M

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
Assets
Cash & Equivalents	0.96B	1.21B	0.90B	0.71B	1.19B
Total Assets	4.88B	5.00B	4.56B	4.59B	5.12B
Investment Securities	2.63B	2.58B	2.55B	2.71B	2.72B
Trading Assets	16.03M	16.23M	—	—	18.49M
Gross Loans	0.93B	0.86B	0.82B	0.87B	0.91B
Net Loans	929.39M	859.00M	818.85M	855.45M	898.14M
Allowance for Loan Losses	-4.79M	-4.13M	-4.17M	-11.93M	-11.00M
Liabilities
Total Deposits	3.31B	3.44B	3.05B	3.11B	3.68B
Interest-Bearing Deposits	1.73B	1.59B	1.59B	1.46B	2.63B
Non-Interest-Bearing Deposits	1.58B	1.85B	1.45B	1.65B	1.05B
Total Debt	7.51M	—	—	—	12.30M
Total Liabilities	3.39B	3.52B	3.13B	3.20B	3.77B
Equity & Ownership
Total Equity	1.49B	1.48B	1.42B	1.39B	1.35B
Shares Outstanding	10,000,000	10,000,000	10,000,000	10,000,000	10,000,000
Cash & Assets
Total Assets	4.88B	5.00B	4.56B	4.59B	5.12B
Cash & Equivalents	0.96B	1.21B	0.90B	0.71B	1.19B
Net Cash (Debt)	0.97B	1.22B	0.90B	0.71B	1.19B
Net Cash Per Share	96.93	122.49	90.14	70.70	119.20
Net Cash Growth	-18.7%	+14.1%	-19.0%	+2.0%	+86.3%
Other Receivables	14.29M	5.25M	5.32M	5.62M	8.21M
Restricted Cash	0.23B	0.25B	0.23B	0.25B	0.23B
Property, Plant & Equipment	11.51M	3.66M	2.55M	2.68M	15.39M
Other Intangible Assets	35.44M	9.87M	1.45M	0.40M	0.49M
Other Current Assets	6.49M	—	—	—	3.41M
Other Long-Term Assets	—	59.91M	54.98M	52.44M	—
Long-Term Deferred Tax Assets	—	—	—	—	190.00K
Long-Term Leases	4.41M	—	—	—	7.51M
Current Portion of Leases	3.10M	—	—	—	4.79M
Loans & Investments
Gross Loans	0.93B	0.86B	0.82B	0.87B	0.91B
Net Loans	929.39M	859.00M	818.85M	855.45M	898.14M
Allowance for Loan Losses	-4.79M	-4.13M	-4.17M	-11.93M	-11.00M
Investment Securities	2.63B	2.58B	2.55B	2.71B	2.72B
Trading Asset Securities	16.03M	16.23M	—	—	18.49M
Total Investments	2.65B	2.60B	2.55B	2.71B	2.74B
Other Adjustments to Gross Loans	—	—	—	-0.62M	-0.51M
Liabilities & Obligations
Total Liabilities	3.39B	3.52B	3.13B	3.20B	3.77B
Total Liabilities & Equity	4.88B	5.00B	4.56B	4.59B	5.12B
Accrued Expenses	0.43M	1.76M	1.33M	0.84M	0.14M
Accrued Interest Payable	20.12M	—	—	—	25.23M
Accrued Interest Receivable	37.50M	—	—	—	37.30M
Current Income Taxes Payable	11.64M	11.26M	18.80M	15.24M	11.44M
Other Long-Term Liabilities	29.37M	65.45M	64.24M	72.99M	36.23M
Pension & Post-Retirement Benefits	9.07M	—	—	—	8.72M
Long-Term Deferred Tax Liabilities	3.62M	3.54M	1.89M	1.10M	—
Debt & Funding
Total Debt	7.51M	—	—	—	12.30M
Short-Term Borrowings	—	—	—	—	—
Total Deposits	3.31B	3.44B	3.05B	3.11B	3.68B
Interest Bearing Deposits	1.73B	1.59B	1.59B	1.46B	2.63B
Non-Interest Bearing Deposits	1.58B	1.85B	1.45B	1.65B	1.05B
Equity & Book Value
Shareholders' Equity	1.49B	1.48B	1.42B	1.39B	1.35B
Total Common Equity	1.49B	1.48B	1.42B	1.39B	1.35B
Common Stock	1.00B	1.00B	1.00B	1.00B	1.00B
Retained Earnings	394.14M	380.81M	361.93M	338.06M	312.65M
Comprehensive Income & Other	91.77M	94.79M	62.36M	48.66M	33.49M
Minority Interest	—	—	—	—	—
Book Value Per Share	148.59	147.56	142.43	138.67	134.61
Tangible Book Value	1.45B	1.47B	1.42B	1.39B	1.35B
Tangible Book Value Per Share	145.05	146.57	142.28	138.63	134.57
Filing Date Shares Outstanding	10.00M	10.00M	10.00M	10.00M	10.00M
Total Common Shares Outstanding	10.00M	10.00M	10.00M	10.00M	10.00M