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
Operating Summary
Revenue	188.71M	208.58M	184.45M	46.87M	98.91M
Interest Income	92.66M	121.63M	115.42M	53.70M	36.01M
Interest Expense	68.45M	89.03M	59.23M	35.55M	28.25M
Pretax Income	94.82M	120.05M	107.54M	-23.67M	30.62M
Income Tax	11.17M	11.34M	—	—	—
Net Income	83.65M	108.71M	107.54M	-23.67M	30.62M
Net Interest Income	24.21M	32.61M	56.18M	18.15M	7.76M
Non-Interest Income	146.29M	177.85M	105.19M	83.25M	86.64M
Non-Interest Expense	93.89M	88.54M	76.91M	70.54M	68.30M
Loan Loss Provisions	-18.21M	1.87M	-23.08M	54.53M	-4.51M
EPS (Basic)	8.36	10.87	14.62	-6.48	8.75
EPS (Diluted)	8.36	10.87	14.62	-6.48	8.75
Margins & Efficiency
Net Margin %	+44.3%	+52.1%	+58.3%	-50.5%	+31.0%
Revenue & Income
Revenue	188.71M	208.58M	184.45M	46.87M	98.91M
Revenue	188.71M	208.58M	184.45M	46.87M	98.91M
Revenue Growth (YoY)	-9.5%	+13.1%	+293.5%	-52.6%	+140.3%
Revenues Before Loan Losses	170.50M	210.46M	161.37M	101.40M	94.40M
Interest Income on Loans	92.66M	121.63M	115.42M	53.70M	36.01M
Net Interest Income	24.21M	32.61M	56.18M	18.15M	7.76M
Net Interest Income Growth (YoY)	-25.8%	-42.0%	+209.5%	+133.9%	-14.5%
Non-Interest Income Growth (YoY)	-17.7%	+69.1%	+26.4%	-3.9%	+74.0%
Total Non-Interest Income	146.29M	177.85M	105.19M	83.25M	86.64M
Other Non-Interest Income	170.03M	181.34M	115.54M	85.37M	72.10M
Gain (Loss) on Sale of Investments	-23.74M	-3.49M	-10.35M	-2.12M	14.55M
Expenses & Provisions
Selling, General & Administrative	25.15M	21.85M	14.36M	13.83M	12.54M
Interest Paid on Deposits	68.45M	89.03M	59.23M	35.55M	28.25M
Total Non-Interest Expense	93.89M	88.54M	76.91M	70.54M	68.30M
Provision for Loan Losses	-18.21M	1.87M	-23.08M	54.53M	-4.51M
Salaries and Employee Benefits	62.61M	61.90M	57.68M	52.04M	50.34M
Occupancy Expenses	5.79M	4.43M	4.47M	4.41M	5.25M
Amortization of Goodwill & Intangibles	341.00K	358.00K	402.00K	261.00K	156.00K
Profitability & Returns
EBT Excluding Unusual Items	94.82M	120.05M	107.54M	-23.67M	30.62M
Pretax Income	94.82M	120.05M	107.54M	-23.67M	30.62M
Profit Margin	+44.3%	+52.1%	+58.3%	-50.5%	+31.0%
Net Income	83.65M	108.71M	107.54M	-23.67M	30.62M
Net Income to Common	83.65M	108.71M	107.54M	-23.67M	30.62M
Net Income Growth	-23.1%	+1.1%	—	—	—
Earnings From Continuing Ops.	83.65M	108.71M	107.54M	-23.67M	30.62M
Income Tax Expense	11.17M	11.34M	—	—	—
Effective Tax Rate	+11.8%	+9.4%	—	—	—
Per Share & Capital
EPS (Basic)	8.36	10.87	14.62	-6.48	8.75
EPS (Diluted)	8.36	10.87	14.62	-6.48	8.75
EPS Growth	-23.1%	-25.6%	—	—	—
Shares Change (YoY)	—	0.36	1.01	0.04	—
Shares Outstanding (Basic)	10.00M	10.00M	7.36M	3.66M	3.50M
Shares Outstanding (Diluted)	10.00M	10.00M	7.36M	3.66M	3.50M
Free Cash Flow	183.47M	58.75M	-920.49M	-814.23M	-444.18M
Free Cash Flow Margin	+97.2%	+28.2%	-499.0%	-1,737.2%	-449.1%
Free Cash Flow Per Share	18.35	5.88	-125.13	-222.75	-126.91

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
Operating Summary
Revenue	188.71M	208.58M	184.45M	46.87M	98.91M
Interest Income	92.66M	121.63M	115.42M	53.70M	36.01M
Interest Expense	68.45M	89.03M	59.23M	35.55M	28.25M
Pretax Income	94.82M	120.05M	107.54M	-23.67M	30.62M
Income Tax	11.17M	11.34M	—	—	—
Net Income	83.65M	108.71M	107.54M	-23.67M	30.62M
Net Interest Income	24.21M	32.61M	56.18M	18.15M	7.76M
Non-Interest Income	146.29M	177.85M	105.19M	83.25M	86.64M
Non-Interest Expense	93.89M	88.54M	76.91M	70.54M	68.30M
Loan Loss Provisions	-18.21M	1.87M	-23.08M	54.53M	-4.51M
EPS (Basic)	8.36	10.87	14.62	-6.48	8.75
EPS (Diluted)	8.36	10.87	14.62	-6.48	8.75
Margins & Efficiency
Net Margin %	+44.3%	+52.1%	+58.3%	-50.5%	+31.0%
Revenue & Income
Revenue	188.71M	208.58M	184.45M	46.87M	98.91M
Revenue	188.71M	208.58M	184.45M	46.87M	98.91M
Revenue Growth (YoY)	-9.5%	+13.1%	+293.5%	-52.6%	+140.3%
Revenues Before Loan Losses	170.50M	210.46M	161.37M	101.40M	94.40M
Interest Income on Loans	92.66M	121.63M	115.42M	53.70M	36.01M
Net Interest Income	24.21M	32.61M	56.18M	18.15M	7.76M
Net Interest Income Growth (YoY)	-25.8%	-42.0%	+209.5%	+133.9%	-14.5%
Non-Interest Income Growth (YoY)	-17.7%	+69.1%	+26.4%	-3.9%	+74.0%
Total Non-Interest Income	146.29M	177.85M	105.19M	83.25M	86.64M
Other Non-Interest Income	170.03M	181.34M	115.54M	85.37M	72.10M
Gain (Loss) on Sale of Investments	-23.74M	-3.49M	-10.35M	-2.12M	14.55M
Expenses & Provisions
Selling, General & Administrative	25.15M	21.85M	14.36M	13.83M	12.54M
Interest Paid on Deposits	68.45M	89.03M	59.23M	35.55M	28.25M
Total Non-Interest Expense	93.89M	88.54M	76.91M	70.54M	68.30M
Provision for Loan Losses	-18.21M	1.87M	-23.08M	54.53M	-4.51M
Salaries and Employee Benefits	62.61M	61.90M	57.68M	52.04M	50.34M
Occupancy Expenses	5.79M	4.43M	4.47M	4.41M	5.25M
Amortization of Goodwill & Intangibles	341.00K	358.00K	402.00K	261.00K	156.00K
Profitability & Returns
EBT Excluding Unusual Items	94.82M	120.05M	107.54M	-23.67M	30.62M
Pretax Income	94.82M	120.05M	107.54M	-23.67M	30.62M
Profit Margin	+44.3%	+52.1%	+58.3%	-50.5%	+31.0%
Net Income	83.65M	108.71M	107.54M	-23.67M	30.62M
Net Income to Common	83.65M	108.71M	107.54M	-23.67M	30.62M
Net Income Growth	-23.1%	+1.1%	—	—	—
Earnings From Continuing Ops.	83.65M	108.71M	107.54M	-23.67M	30.62M
Income Tax Expense	11.17M	11.34M	—	—	—
Effective Tax Rate	+11.8%	+9.4%	—	—	—
Per Share & Capital
EPS (Basic)	8.36	10.87	14.62	-6.48	8.75
EPS (Diluted)	8.36	10.87	14.62	-6.48	8.75
EPS Growth	-23.1%	-25.6%	—	—	—
Shares Change (YoY)	—	0.36	1.01	0.04	—
Shares Outstanding (Basic)	10.00M	10.00M	7.36M	3.66M	3.50M
Shares Outstanding (Diluted)	10.00M	10.00M	7.36M	3.66M	3.50M
Free Cash Flow	183.47M	58.75M	-920.49M	-814.23M	-444.18M
Free Cash Flow Margin	+97.2%	+28.2%	-499.0%	-1,737.2%	-449.1%
Free Cash Flow Per Share	18.35	5.88	-125.13	-222.75	-126.91