Abu Dhabi Islamic Bank PJSC (ADX:ADIB)

ADX:ADIB Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	13,725	12,037	9,815	5,429	4,138	4,392
Interest Paid on Deposits	5,284	4,541	3,099	890.95	329.96	502.36
Net Interest Income	8,441	7,497	6,716	4,538	3,808	3,890
Net Interest Income Growth (YoY)	15.01%	11.63%	47.98%	19.16%	-2.10%	-9.93%
Gain (Loss) on Sale of Assets	-	-	-	-	-	12.3
Gain (Loss) on Sale of Investments	37.25	45.49	46.84	-57.37	60.14	55.56
Gain (Loss) on Sale of Equity Investments	106.21	99.89	76.12	915.45	315.9	10.78
Other Non-Interest Income	3,201	2,990	2,455	1,439	1,375	1,389
Total Non-Interest Income	3,344	3,135	2,578	2,297	1,751	1,468
Non-Interest Income Growth (YoY)	2.76%	21.62%	12.24%	31.18%	19.28%	-8.04%
Revenues Before Loan Losses	11,785	10,632	9,294	6,835	5,560	5,358
Provision for Loan Losses	682.82	619.69	760.26	768.86	954.4	1,282
Revenue	11,103	10,012	8,533	6,066	4,605	4,076
Revenue Growth (YoY)	11.51%	17.33%	40.67%	31.73%	12.99%	-24.26%
Salaries and Employee Benefits	2,063	1,895	1,851	1,541	1,439	1,508
Occupancy Expenses	348.43	329.13	321.12	271.55	240.42	267.19
Amortization of Goodwill & Intangibles	9.24	10.48	14.87	43.51	54.75	54.75
Selling, General & Administrative	985.36	910.36	873.91	530.77	526.1	619.85
Total Non-Interest Expense	3,406	3,145	3,061	2,387	2,260	2,450
EBT Excluding Unusual Items	7,697	6,868	5,472	3,680	2,345	1,626
Asset Writedown	-	-	-	-	-	-31.77
Pretax Income	7,697	6,868	5,472	3,680	2,345	1,594
Income Tax Expense	914.45	766.21	220.75	60.47	15.03	-9.91
Earnings From Continuing Operations	6,782	6,101	5,251	3,619	2,330	1,604
Minority Interest in Earnings	-376.82	-324.64	-251.09	-31.85	-1.36	-1.13
Net Income	6,406	5,777	5,000	3,587	2,329	1,603
Preferred Dividends & Other Adjustments	344.74	353.03	336.79	264.82	254.47	281.9
Net Income to Common	6,061	5,424	4,663	3,322	2,074	1,321
Net Income Growth	10.31%	15.53%	39.39%	54.04%	45.29%	-38.35%
Basic Shares Outstanding	3,632	3,632	3,632	3,632	3,632	3,632
Diluted Shares Outstanding	3,632	3,632	3,632	3,632	3,632	3,632
EPS (Basic)	1.67	1.49	1.28	0.91	0.57	0.36
EPS (Diluted)	1.67	1.49	1.28	0.91	0.57	0.36
EPS Growth	11.11%	16.30%	40.37%	60.17%	57.03%	-42.48%
Dividend Per Share	0.834	0.834	0.715	0.490	0.311	0.206
Dividend Growth	16.75%	16.75%	45.84%	57.56%	51.12%	-24.84%
Effective Tax Rate	11.88%	11.16%	4.03%	1.64%	0.64%	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.