ADX:ADCB Balance Sheet

Financials in millions AED. Fiscal year is January - December.

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	10,445	9,558	8,054	26,073	25,118	19,173
Investment Securities	133,876	138,353	112,789	93,223	91,292	78,594
Trading Asset Securities	44,867	36,835	31,811	23,830	19,593	8,195
Total Investments	178,743	175,188	144,600	117,054	110,885	86,789
Gross Loans	477,088	442,371	391,257	340,999	296,814	276,062
Allowance for Loan Losses	-8,832	-8,040	-9,940	-10,815	-11,885	-10,872
Net Loans	468,256	434,331	381,317	330,185	284,929	265,190
Property, Plant & Equipment	905	964	1,186	1,888	1,938	2,064
Goodwill	-	6,754	6,754	6,754	6,754	6,754
Other Intangible Assets	7,687	904	918	295.67	398.68	541.17
Investments in Real Estate	808	1,193	1,716	1,741	1,692	1,675
Accrued Interest Receivable	7,038	6,333	5,195	4,543	3,342	2,434
Other Receivables	18,141	22,184	11,306	1,079	856.81	1,564
Restricted Cash	31,326	35,153	27,310	20,808	13,605	12,212
Other Current Assets	40,454	34,186	17,267	16,381	20,685	17,727
Other Long-Term Assets	69,381	46,906	47,191	40,393	27,640	24,156
Total Assets	833,184	773,654	652,814	567,194	497,842	440,278
Interest Bearing Deposits	373,803	339,834	282,763	234,252	196,224	154,352
Non-Interest Bearing Deposits	178,611	179,027	149,574	137,448	122,426	117,906
Total Deposits	552,414	518,861	432,337	371,700	318,650	272,258
Short-Term Borrowings	36,560	36,984	30,044	24,017	22,220	12,763
Current Portion of Long-Term Debt	73,561	48,195	43,992	39,503	29,113	20,979
Accrued Interest Payable	3,705	3,818	4,197	3,137	1,842	676.84
Other Current Liabilities	29,079	26,542	13,530	13,727	17,555	16,747
Long-Term Debt	38,062	41,599	44,695	37,150	40,762	51,520
Long-Term Leases	262	268	157	168.03	225.6	286.32
Long-Term Unearned Revenue	2,143	1,904	1,287	1,120	842.14	807.32
Pension & Post-Retirement Benefits	536	528	518	467.43	511.91	594.72
Other Long-Term Liabilities	7,608	6,214	6,490	4,951	4,694	4,277
Total Liabilities	743,930	684,913	577,247	495,941	436,416	380,908
Common Stock	7,912	7,912	7,320	7,320	6,957	6,957
Additional Paid-In Capital	17,879	17,879	17,879	17,879	17,879	17,879
Retained Earnings	56,358	54,907	42,989	38,383	32,143	28,348
Comprehensive Income & Other	7,101	8,039	7,374	7,665	4,439	6,176
Total Common Equity	89,250	88,737	75,562	71,247	61,418	59,360
Minority Interest	4	4	5	6.87	7.76	10.23
Shareholders' Equity	89,254	88,741	75,567	71,253	61,426	59,370
Total Liabilities & Equity	833,184	773,654	652,814	567,194	497,842	440,278
Total Debt	148,445	127,046	118,888	100,839	92,321	85,548
Net Cash (Debt)	-64,547	-64,247	-64,074	-47,059	-42,070	-52,808
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-8.38	-8.57	-8.56	-6.43	-5.75	-7.21
Filing Date Shares Outstanding	7,854	7,895	7,311	7,318	7,310	7,310
Total Common Shares Outstanding	7,854	7,895	7,311	7,318	7,310	7,310
Book Value Per Share	10.25	10.13	9.14	8.54	7.58	7.30
Tangible Book Value	81,563	81,079	67,890	64,197	54,266	52,065
Tangible Book Value Per Share	9.27	9.16	8.09	7.58	6.60	6.30