ADX:ADIB Income Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	14,485	12,037	9,815	5,429	4,138
Interest Paid on Deposits	5,603	4,541	3,099	890.95	329.96
Net Interest Income	8,882	7,497	6,716	4,538	3,808
Net Interest Income Growth (YoY)	18.48%	11.63%	47.98%	19.16%	-2.10%
Gain (Loss) on Sale of Assets	12.17	0.33	-	-	-
Gain (Loss) on Sale of Investments	54.2	40.99	46.84	-57.37	60.14
Gain (Loss) on Sale of Equity Investments	105.01	99.89	76.12	915.45	315.9
Other Non-Interest Income	3,251	2,994	2,455	1,439	1,375
Total Non-Interest Income	3,422	3,135	2,578	2,297	1,751
Non-Interest Income Growth (YoY)	9.14%	21.62%	12.24%	31.18%	19.28%
Revenues Before Loan Losses	12,304	10,632	9,294	6,835	5,560
Provision for Loan Losses	677.82	619.69	760.26	768.86	954.4
Revenue	11,626	10,012	8,533	6,066	4,605
Revenue Growth (YoY)	16.12%	17.33%	40.67%	31.73%	12.99%
Salaries and Employee Benefits	2,145	1,895	1,851	1,541	1,439
Occupancy Expenses	356.94	329.13	321.12	271.55	240.42
Amortization of Goodwill & Intangibles	9.34	10.48	14.87	43.51	54.75
Selling, General & Administrative	1,014	910.36	873.91	530.77	526.1
Total Non-Interest Expense	3,525	3,145	3,061	2,387	2,260
EBT Excluding Unusual Items	8,101	6,868	5,472	3,680	2,345
Pretax Income	8,101	6,868	5,472	3,680	2,345
Income Tax Expense	1,031	766.21	220.75	60.47	15.03
Earnings From Continuing Operations	7,070	6,101	5,251	3,619	2,330
Minority Interest in Earnings	-396.43	-324.64	-251.09	-31.85	-1.36
Net Income	6,674	5,777	5,000	3,587	2,329
Preferred Dividends & Other Adjustments	334.02	353.03	336.79	264.82	254.47
Net Income to Common	6,340	5,424	4,663	3,322	2,074
Net Income Growth	15.53%	15.53%	39.39%	54.04%	45.29%
Basic Shares Outstanding	3,632	3,632	3,632	3,632	3,632
Diluted Shares Outstanding	3,632	3,632	3,632	3,632	3,632
EPS (Basic)	1.75	1.49	1.28	0.91	0.57
EPS (Diluted)	1.75	1.49	1.28	0.91	0.57
EPS Growth	16.89%	16.30%	40.37%	60.17%	57.03%
Dividend Per Share	0.971	0.834	0.715	0.490	0.311
Dividend Growth	16.32%	16.75%	45.84%	57.56%	51.12%
Effective Tax Rate	12.73%	11.16%	4.03%	1.64%	0.64%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.