ADX:ADCB Income Statement

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	Sep '26 Sep 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
Interest Income on Loans	36,316	35,123	33,733	28,251	16,417	11,121
Interest Paid on Deposits	21,141	20,435	20,508	15,877	6,223	2,258
Net Interest Income	15,175	14,688	13,225	12,374	10,194	8,864
Net Interest Income Growth	5.68%	11.06%	6.88%	21.39%	15.01%	-9.40%
Income From Trading Activities	3,525	2,716	2,064	1,593	912.79	675.77
Gain (Loss) on Sale of Assets	51	51	27	536.47	19.14	11.47
Gain (Loss) on Sale of Investments	-136	-186	-318	-103.41	-71.35	259.08
Other Non-Interest Income	5,258	4,914	4,481	2,957	3,290	2,449
Total Non-Interest Income	8,698	7,495	6,254	4,983	4,151	3,396
Non-Interest Income Growth	12.63%	19.84%	25.51%	20.05%	22.23%	26.31%
Revenues Before Loan Losses	23,873	22,183	19,479	17,357	14,344	12,259
Provision for Loan Losses	1,829	3,103	2,874	3,477	2,779	2,646
Revenue	22,044	19,080	16,605	13,879	11,565	9,613
Revenue Growth	21.51%	14.90%	19.64%	20.01%	20.31%	13.38%
Salaries and Employee Benefits	3,624	3,433	3,289	3,026	2,745	2,432
Occupancy Expenses	216	211	199	378.39	407.26	401.15
Amortization of Goodwill & Intangibles	240	237	215	86.25	94.14	95.69
Selling, General & Administrative	2,434	2,255	2,257	1,924	1,619	1,323
Total Non-Interest Expense	6,639	6,237	6,020	5,453	4,897	4,250
EBT Excluding Unusual Items	15,405	12,843	10,585	8,427	6,669	5,363
Pretax Income	15,405	12,843	10,585	8,427	6,669	5,363
Income Tax Expense	1,768	1,398	1,166	220.65	135.07	99.61
Earnings From Continuing Operations	13,637	11,445	9,419	8,206	6,534	5,264
Earnings From Discontinued Operations	-	-	-	-	-99.82	-16.42
Minority Interest in Earnings	1	1	2	0.72	1.58	-6.28
Net Income	13,638	11,446	9,421	8,207	6,435	5,241
Preferred Dividends & Other Adjustments	598	642	686	393.48	182.27	173.7
Net Income to Common	13,040	10,804	8,735	7,813	6,253	5,067
Net Income Growth	29.93%	23.69%	11.80%	24.95%	23.40%	43.60%
Basic Shares Outstanding	7,759	7,450	7,471	7,309	7,309	7,314
Diluted Shares Outstanding	7,813	7,494	7,487	7,320	7,320	7,320
Shares Change	2.63%	0.09%	2.28%	-	-	-
EPS (Basic)	1.68	1.45	1.17	1.07	0.86	0.69
EPS (Diluted)	1.67	1.44	1.17	1.07	0.85	0.69
EPS Growth	26.72%	23.16%	9.37%	25.76%	22.68%	43.59%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Dividend Per Share	0.630	0.630	0.590	0.560	0.171	0.352
Dividend Growth	6.78%	6.78%	5.36%	227.29%	-51.35%	37.06%
Effective Tax Rate	11.48%	10.88%	11.02%	2.62%	2.03%	1.86%