Financial Ratios Abu Dhabi Islamic Bank

Equities

ADIB

AEA000801018

Banks

Market Closed - Abu Dhabi Securities Exchange Other stock markets 11:59:56 21/01/2026 +04			5-day change	1st Jan Change
22.92 ^AED	+0.26%		+6.11%	+10.40%

01-16	Abu Dhabi Islamic Bank to Halt Trading in Abu Dhabi	MT
01-07	Mideast stocks - Saudi shares lead Gulf gains as kingdom to open market to all foreign investors	RE

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Published financial data: ABU DHABI ISLAMIC BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	4.39B	4.14B	5.43B	9.81B	12.04B
Interest Income, Total	4.39B	4.14B	5.43B	9.81B	12.04B
Interest On Deposits	502M	330M	891M	3.1B	4.54B
Interest Expense, Total	502M	330M	891M	3.1B	4.54B
Net Interest Income	3.89B	3.81B	4.54B	6.72B	7.5B
Gain (Loss) on Sale of Assets	12.3M	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	55.56M	60.14M	-57.36M	46.84M	45.49M
Income (Loss) on Equity Invest. (Income Block)	10.78M	316M	915M	76.12M	99.89M
Total Other Non Interest Income	1.39B	1.38B	1.44B	2.46B	2.99B
Non Interest Income, Total	1.47B	1.75B	2.3B	2.58B	3.14B
Revenues Before Provison For Loan Losses	5.36B	5.56B	6.84B	9.29B	10.63B
Provision For Loan Losses	1.28B	954M	769M	760M	620M
Total Revenues	4.08B	4.61B	6.07B	8.53B	10.01B
Salaries And Other Employee Benefits	1.51B	1.44B	1.54B	1.85B	1.89B
Amort. of Goodwill & Intang. Assets	54.75M	54.75M	43.5M	14.87M	10.48M
Occupancy Expense	267M	240M	272M	321M	329M
Selling General & Admin Expenses, Total	620M	526M	531M	874M	910M
Non Interest Expense, Total	2.45B	2.26B	2.39B	3.06B	3.14B
EBT, Excl. Unusual Items	1.63B	2.35B	3.68B	5.47B	6.87B
Asset Writedown	-31.77M	-	-	-	-
EBT, Incl. Unusual Items	1.59B	2.35B	3.68B	5.47B	6.87B
Income Tax Expense	-9.91M	15.03M	60.47M	221M	766M
Earnings From Continuing Operations	1.6B	2.33B	3.62B	5.25B	6.1B
Net Income to Company	1.6B	2.33B	3.62B	5.25B	6.1B
Minority Interest	-1.13M	-1.36M	-31.85M	-251M	-325M
Net Income - (IS)	1.6B	2.33B	3.59B	5B	5.78B
Preferred Dividend and Other Adjustments	282M	254M	265M	337M	353M
Net Income to Common Incl Extra Items	1.32B	2.07B	3.32B	4.66B	5.42B
Net Income to Common Excl. Extra Items	1.32B	2.07B	3.32B	4.66B	5.42B
Per Share Items
Net EPS - Basic	0.36	0.57	0.91	1.28	1.49
Basic EPS - Continuing Operations	0.36	0.57	0.91	1.28	1.49
Basic Weighted Average Shares Outstanding	3.63B	3.63B	3.63B	3.63B	3.63B
Net EPS - Diluted	0.36	0.57	0.91	1.28	1.49
Diluted EPS - Continuing Operations	0.36	0.57	0.91	1.28	1.49
Diluted Weighted Average Shares Outstanding	3.63B	3.63B	3.63B	3.63B	3.63B
Normalized Basic EPS	0.28	0.4	0.62	0.87	1.09
Normalized Diluted EPS	0.28	0.4	0.62	0.87	1.09
Dividend Per Share	0.21	0.31	0.49	0.71	0.83
Payout Ratio	80.15	43.13	38.97	44.15	51.04
Supplemental Items
Effective Tax Rate - (Ratio)	-0.62	0.64	1.64	4.03	11.16
Normalized Net Income	1.02B	1.46B	2.27B	3.17B	3.97B
Non-Cash Pension Expense	65.48M	67.38M	69.08M	84.37M	94.24M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	10.02B	24.28B	2.97B	2.05B	2.13B
Investment Securities, Total	11.65B	13.16B	30.81B	43.79B	44.3B
Trading Asset Securities, Total	3.46B	2.13B	1.67B	2.33B	2.25B
Total investments	15.11B	15.3B	32.48B	46.12B	46.55B
Gross Loans	115B	118B	147B	135B	166B
Allowance For Loan Losses	-4B	-4.88B	-5.69B	-5.23B	-4.54B
Other Adjustments to Gross Loans	-27.23B	-23.68B	-29.09B	-10.75B	-15.63B
Net Loans	83.54B	89.04B	112B	119B	146B
Gross Property Plant And Equipment	4.05B	3.93B	4.87B	4.95B	5.03B
Accumulated Depreciation	-1.8B	-1.62B	-1.97B	-2.15B	-2.38B
Net Property Plant And Equipment	2.25B	2.31B	2.9B	2.8B	2.65B
Goodwill	110M	110M	281M	247M	193M
Other Intangibles, Total	91.2M	36.45M	505M	388M	217M
Investment in Real Estate	2.02B	2B	1.99B	1.99B	2.06B
Accrued Interest Receivable	224M	114M	429M	603M	676M
Other Receivables	3.26B	1.4B	3.35B	2.5B	2.46B
Restricted Cash	9.01B	-	9.04B	14.13B	19.23B
Other Current Assets, Total	872M	960M	1.21B	1.69B	2.31B
Other Real Estate Owned And Foreclosed	88.74M	78.25M	106M	94.59M	88.42M
Other Long-Term Assets, Total	1.21B	1.24B	1.01B	1.31B	1.81B
Total Assets	128B	137B	169B	193B	226B
Liabilities
Accounts Payable, Total	339M	484M	447M	398M	561M
Accrued Expenses, Total	415M	294M	314M	315M	310M
Interest Bearing Deposits	69.36B	76.08B	97.76B	110B	135B
Non-Interest Bearing Deposits	34.34B	36.34B	42.49B	48.72B	52.55B
Total Deposits	104B	112B	140B	159B	187B
Short-Term Borrowings	665M	846K	5.95M	-	11.19M
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	-	-	-	1.84B	1.84B
Long-Term Leases	266M	236M	234M	181M	139M
Current Income Taxes Payable	194M	-	-	-	-
Accrued Interest Payable	894M	780M	897M	1.17B	1.47B
Other Current Liabilities - (Bank / Utility Template)	894M	874M	836M	1.51B	2.84B
Unearned Revenue Non Current	108M	128M	201M	278M	365M
Pension & Other Post Retirement Benefits	414M	398M	571M	586M	551M
Other Non Current Liabilities	765M	691M	1.29B	1.45B	2.04B
Total Liabilities	109B	116B	145B	167B	198B
Common Stock, Total	3.63B	3.63B	3.63B	3.63B	3.63B
Retained Earnings	10.72B	12.02B	14.26B	17.44B	20.12B
Comprehensive Income and Other	4.8B	4.9B	4.59B	4.06B	3.59B
Total Common Equity	19.15B	20.55B	22.48B	25.13B	27.35B
Minority Interest	11.26M	11.57M	980M	1.11B	972M
Total Equity	19.16B	20.56B	23.46B	26.24B	28.32B
Total Liabilities And Equity	128B	137B	169B	193B	226B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.63B	3.63B	3.63B	3.63B	3.63B
ECS Total Common Shares Outstanding	3.63B	3.63B	3.63B	3.63B	3.63B
Book Value / Share	3.96	4.35	4.88	5.61	6.22
Tangible Book Value	18.95B	20.4B	21.69B	24.49B	26.94B
Tangible Book Value Per Share	3.91	4.31	4.66	5.43	6.11
Total Debt	931M	237M	240M	2.02B	1.99B
Deposits at Interest - Cash	-	-	-	4.86B	3.17B
Net Debt	-12.55B	-26.18B	-16.67B	-23.16B	-18.76B
Equity Method Investments, Total	1.3B	1.6B	776M	834M	896M
Number Of Offices	73	63	62	62	63

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1.6B	2.33B	3.59B	5B	5.78B
Depreciation, Depletion & Amortization	267M	240M	272M	321M	329M
Amortization of Goodwill and Intangible Assets - (CF)	54.75M	54.75M	43.5M	14.87M	10.48M
Total Depreciation, Depletion & Amortization	322M	295M	315M	336M	340M
(Gain) Loss On Sale of Asset - (CF)	-10.26M	2.52M	11.09M	2.39M	62K
(Gain) Loss on Sale of Investments - (CF)	716K	-17.9M	140M	39.8M	-59.13M
Total Asset Writedown	141M	-2.39M	92.07M	91.4M	-120M
Provision for Credit Losses	1.11B	936M	659M	588M	758M
(Income) Loss On Equity Investments - (CF)	-10.78M	-316M	-422M	-76.12M	-99.89M
Change in Trading Asset Securities	-639M	-470M	378M	-323M	113M
Change in Other Net Operating Assets (Collected)	-250M	-2.25B	-12.72B	-14.93B	-36.1B
Other Operating Activities	3.49M	3.33M	29.72M	247M	342M
Cash from Operations	2.27B	513M	-7.93B	-9.02B	-29.05B
Capital Expenditure	-257M	-314M	-301M	-295M	-315M
Sale of Property, Plant, and Equipment	-	-	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	25.9M	-	-1.01M	-9.24M	1.45M
Investment in Marketable and Equity Securities, Total	-201M	574M	-6.54B	-4.49B	-4.82B
Other Investing Activities, Total	495K	4.76M	1.02M	5.9M	431K
Cash from Investing	-431M	265M	-6.84B	-4.79B	-5.13B
Long-Term Debt Repaid, Total	-	-	-	-	-
Total Debt Repaid	-	-	-	-	-
Issuance of Common Stock	-	-	-	4.59B	-
Repurchase of Common Stock	-	-	-	-2.75B	-
Common Dividends Paid	-1.28B	-1B	-1.4B	-2.21B	-2.95B
Common & Preferred Stock Dividends Paid	-1.28B	-1B	-1.4B	-2.21B	-2.95B
Net Increase (Decrease) in Deposit Accounts - (CF)	-135M	8.34B	14.07B	21.82B	34.93B
Other Financing Activities, Total	-9.63M	-10.51M	-758K	-19.79M	-6.36M
Cash from Financing	-1.43B	7.33B	12.67B	21.43B	31.98B
Net Change in Cash	414M	8.1B	-2.1B	7.62B	-2.2B
Supplemental Items
Cash Interest Paid	588M	313M	454M	2.84B	2.97B
Net Debt Issued / Repaid	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.26	1.76	2.37	2.91	2.91
Return On Equity %	8.38	11.73	16.44	21.13	22.37
Return on Common Equity	6.91	10.45	15.44	19.59	20.67
Shareholders Value Added	-637M	1.6M	1.05B	2.16B	2.64B
Margin Analysis
SG&A Margin	58.77	47.89	38.63	35.7	31.3
Net Interest Income / Total Revenues %	95.44	82.7	74.81	78.7	74.87
EBT Excl. Non-Recurring Items Margin %	39.89	50.92	60.66	64.13	68.59
Income From Continuing Operations Margin %	39.35	50.6	59.66	61.54	60.94
Net Income Margin %	39.33	50.57	59.13	58.6	57.7
Net Avail. For Common Margin %	32.41	45.04	54.77	54.65	54.17
Normalized Net Income Margin	24.9	31.8	37.38	37.14	39.63
Asset quality
Nonperforming Loans / Total Loans %	6.7	7.05	5.92	5.41	3.59
Nonperforming Loans / Total Assets %	6.02	6.05	5.17	3.78	2.63
Nonperforming Assets / Total Assets %	6.08	6.11	5.23	3.83	2.67
NPAs / Loans and OREO	6.77	7.11	5.99	5.47	3.64
NPAs / Equity	40.59	40.68	37.56	28.15	21.29
Allowance for Credit Losses / Net Charge-offs %	45.32K	-26.88K	210K	125K	28.68K
Allowance for Credit Losses / Nonperforming Loans %	51.99	58.86	65.35	71.74	76.45
Allowance for Credit Losses / Total Loans %	3.48	4.15	3.87	3.88	2.74
Provision for Loan Losses / Net Charge-offs %	14.54K	-5.26K	28.33K	18.15K	3.91K
Capital And Funding
Total Average Common Equity / Total Average Assets %	15.07	15	14.09	13.18	12.53
Total Average Equity / Total Average Assets %	15.08	15.01	14.41	13.76	13.03
Total Equity + Allowance for Loan Losses / Total Loans %	20.17	21.62	19.16	22.51	19.24
Gross Loans / Total Deposits %	110.67	104.6	104.81	84.91	88.4
Net Loans / Total Deposits %	80.56	79.2	80.02	74.85	77.64
Tier 1 Capital Ratio %	18.32	17.48	16.05	15.67	15.1
Total Capital Ratio %	19.4	18.57	17.17	16.8	16.21
Core Tier 1 Capital Ratio	13.54	12.93	12.08	12.23	12.07
Tier 2 Capital Ratio	1.08	1.09	1.12	1.13	1.11
Coverage Ratio	51.99	58.86	65.35	71.74	76.45
Interbank Ratio	47.13	76.1	163.75	246.96	115.76
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	4.17	8.11	5.13	2.77	2.51
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-9.93	-2.1	19.16	47.98	11.63
Non Interest Income, 1 Yr. Growth %	-8.04	19.28	31.18	12.24	21.62
Provision For Loan Losses, 1 Yr. Growth %	140.29	-25.57	-19.44	-1.12	-18.49
Total Revenues, 1 Yr. Growth %	-24.26	12.99	31.73	40.67	17.33
Earnings From Cont. Operations, 1 Yr. Growth %	-38.34	45.27	55.32	45.1	16.19
Net Income, 1 Yr. Growth %	-38.36	45.29	54.04	39.39	15.53
Normalized Net Income, 1 Yr. Growth %	-40.44	44.27	54.87	39.74	25.2
Diluted EPS Before Extra, 1 Yr. Growth %	-42.48	57.03	60.17	40.37	16.3
Dividend Per Share, 1 Yr. Growth %	-24.84	51.21	57.56	45.84	16.75
Gross Loans, 1 Yr. Growth %	-3.08	2.47	25.01	6.32	22.85
Allowance For Loan Losses, 1 Yr. Growth %	32.66	22	16.64	-8.04	-13.18
Net Loans, 1 Yr. Growth %	2.48	6.58	26.05	5.94	22.4
Non Performing Loans, 1 Yr. Growth %	41.33	7.76	5.06	-16.23	-18.53
Non Performing Assets, 1 Yr. Growth %	37.87	7.54	5.35	-16.16	-18.38
Total Assets, 1 Yr. Growth %	1.45	7.08	23.12	14.43	17.16
Total Deposits, 1 Yr Growth %	0.5	8.41	24.76	13.26	18.01
Tangible Book Value, 1 Yr. Growth %	0.6	7.66	6.34	12.9	9.97
Common Equity, 1 Yr. Growth %	0.31	7.29	9.41	11.78	8.82
Total Equity, 1 Yr. Growth %	0.31	7.29	14.11	11.86	7.91
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-4.4	-6.09	8.01	32.79	28.53
Non Interest Income, 2 Yr. CAGR %	-1.51	4.73	25.09	21.34	16.83
Provision For Loan Losses, 2 Yr. CAGR %	51.75	33.73	-22.57	-10.75	-10.22
Total Revenues, 2 Yr. CAGR %	-11.57	-7.49	22	36.12	28.47
Earnings From Cont. Operations, 2 Yr. CAGR %	-19.91	-5.35	50.21	50.12	29.84
Net Income, 2 Yr. CAGR %	-19.93	-5.36	49.6	46.53	26.9
Normalized Net Income, 2 Yr. CAGR %	-20.47	-7.31	49.48	47.11	32.27
Diluted EPS Before Extra, 2 Yr. CAGR %	-24.47	-4.96	58.59	49.94	27.77
Dividend Per Share, 2 Yr. CAGR %	-13.3	6.61	54.3	51.58	30.49
Gross Loans, 2 Yr. CAGR %	-4.62	-0.35	13.18	7.1	14.29
Allowance For Loan Losses, 2 Yr. CAGR %	17.77	27.22	19.29	3.57	-10.65
Net Loans, 2 Yr. CAGR %	2.85	4.51	15.91	15.56	13.88
Non Performing Loans, 2 Yr. CAGR %	39.49	23.41	6.4	-6.18	-17.39
Non Performing Assets, 2 Yr. CAGR %	36.91	21.76	6.44	-6.02	-17.28
Total Assets, 2 Yr. CAGR %	1.04	4.23	14.82	18.7	15.78
Total Deposits, 2 Yr CAGR %	-0.12	4.38	16.3	18.87	15.61
Tangible Book Value, 2 Yr. CAGR %	4.31	4.07	7	9.57	11.43
Common Equity, 2 Yr. CAGR %	3.94	3.74	8.35	10.59	10.29
Total Equity, 2 Yr. CAGR %	3.94	3.74	10.65	12.98	9.86
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-2.28	-3.64	1.66	19.96	25.32
Non Interest Income, 3 Yr. CAGR %	0.1	4.99	12.89	20.65	21.43
Provision For Loan Losses, 3 Yr. CAGR %	17.53	19.68	12.94	-15.99	-13.41
Total Revenues, 3 Yr. CAGR %	-5.58	-4.05	4.07	27.93	29.55
Earnings From Cont. Operations, 3 Yr. CAGR %	-11.32	-2.33	11.64	48.49	37.83
Net Income, 3 Yr. CAGR %	-11.33	-2.34	11.32	46.12	35.37
Normalized Net Income, 3 Yr. CAGR %	-11.35	-3.01	9.99	46.16	39.41
Diluted EPS Before Extra, 3 Yr. CAGR %	-16.59	-3.6	13.1	52.27	37.77
Dividend Per Share, 3 Yr. CAGR %	-10.67	4.36	21.41	51.43	38.95
Gross Loans, 3 Yr. CAGR %	-1.27	-2.31	7.48	5.53	12.11
Allowance For Loan Losses, 3 Yr. CAGR %	7.47	19.16	23.59	9.38	-2.34
Net Loans, 3 Yr. CAGR %	2.89	4.08	11.25	12.49	17.8
Non Performing Loans, 3 Yr. CAGR %	24.2	28	16.96	-1.75	-10.5
Non Performing Assets, 3 Yr. CAGR %	22.8	26.32	16.03	-1.7	-10.33
Total Assets, 3 Yr. CAGR %	1.21	3.02	10.18	14.69	18.18
Total Deposits, 3 Yr CAGR %	0.17	2.65	10.77	15.28	18.58
Tangible Book Value, 3 Yr. CAGR %	5.37	5.42	4.82	8.93	9.7
Common Equity, 3 Yr. CAGR %	4.96	5.05	5.6	9.48	10
Total Equity, 3 Yr. CAGR %	4.96	5.05	7.09	11.05	11.26
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.62	-2.18	1.71	9.55	11.66
Non Interest Income, 5 Yr. CAGR %	1.49	9.11	9.43	11.24	14.45
Provision For Loan Losses, 5 Yr. CAGR %	9.36	-0.22	-0.54	6.43	3.03
Total Revenues, 5 Yr. CAGR %	-1.13	0.82	4.61	10.36	13.22
Earnings From Cont. Operations, 5 Yr. CAGR %	-3.67	3.59	9.49	15.99	18.59
Net Income, 5 Yr. CAGR %	-3.66	3.59	9.31	14.87	17.31
Normalized Net Income, 5 Yr. CAGR %	-3.46	3.52	9.25	14.58	18.41
Diluted EPS Before Extra, 5 Yr. CAGR %	-7.23	1.88	7.86	15.03	18.76
Dividend Per Share, 5 Yr. CAGR %	-3.24	4.88	11.16	21.15	24.96
Gross Loans, 5 Yr. CAGR %	-0.05	-0	4.27	1.35	6.95
Allowance For Loan Losses, 5 Yr. CAGR %	4.62	8.63	12.05	12.66	8.55
Net Loans, 5 Yr. CAGR %	1.23	2.51	7.91	8.53	12.29
Non Performing Loans, 5 Yr. CAGR %	23.39	20.66	16.75	13.04	1.78
Non Performing Assets, 5 Yr. CAGR %	22.15	18.79	15.97	12.23	1.34
Total Assets, 5 Yr. CAGR %	1.55	2.28	6.45	9.02	12.39
Total Deposits, 5 Yr CAGR %	1.21	1.67	6.33	8.85	12.68
Tangible Book Value, 5 Yr. CAGR %	5.37	6.3	6.02	7.06	7.42
Common Equity, 5 Yr. CAGR %	4.92	5.87	6.3	7.23	7.45
Total Equity, 5 Yr. CAGR %	4.91	5.87	7.2	8.15	8.19