ADX:ADIB Income Statement

Financials in millions AED. Fiscal year is April - March.

Millions AED. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2025	FY 2024	FY 2023
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Interest Income on Loans	15,078	14,485	12,427	12,037	9,815
Interest Paid on Deposits	5,884	5,603	4,811	4,541	3,099
Net Interest Income	9,194	8,882	7,616	7,497	6,716
Net Interest Income Growth (YoY)	3.52%	16.62%	1.60%	11.63%	47.98%
Gain (Loss) on Sale of Assets	12.17	12.17	0.33	0.33	-
Gain (Loss) on Sale of Investments	1.7	54.2	51.85	40.99	46.84
Gain (Loss) on Sale of Equity Investments	111.92	105.01	94.31	99.89	76.12
Other Non-Interest Income	3,315	3,251	3,223	2,994	2,455
Total Non-Interest Income	3,441	3,422	3,370	3,135	2,578
Non-Interest Income Growth (YoY)	0.56%	1.55%	7.47%	21.62%	12.24%
Revenues Before Loan Losses	12,636	12,304	10,986	10,632	9,294
Provision for Loan Losses	730.62	677.82	616.13	619.69	760.26
Revenue	11,905	11,626	10,370	10,012	8,533
Revenue Growth (YoY)	2.40%	12.11%	3.57%	17.33%	40.67%
Salaries and Employee Benefits	2,222	2,145	1,931	1,895	1,851
Occupancy Expenses	359.91	356.94	335.4	329.13	321.12
Amortization of Goodwill & Intangibles	9.43	9.34	9.39	10.48	14.87
Selling, General & Administrative	1,054	1,014	933.36	910.36	873.91
Total Non-Interest Expense	3,644	3,525	3,209	3,145	3,061
EBT Excluding Unusual Items	8,261	8,101	7,161	6,868	5,472
Pretax Income	8,261	8,101	7,161	6,868	5,472
Income Tax Expense	1,076	1,031	800.59	766.21	220.75
Earnings From Continuing Operations	7,185	7,070	6,360	6,101	5,251
Minority Interest in Earnings	-413.53	-396.43	-324.68	-324.64	-251.09
Net Income	6,771	6,674	6,036	5,777	5,000
Preferred Dividends & Other Adjustments	334.02	334.02	353.03	353.03	336.79
Net Income to Common	6,437	6,340	5,683	5,424	4,663
Net Income Growth	1.47%	10.57%	4.48%	15.53%	39.39%
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)	1.77	1.75	1.56	1.49	1.28
EPS (Diluted)	1.77	1.75	1.56	1.49	1.28
EPS Growth	1.54%	11.56%	4.78%	16.30%	40.37%
Dividend Per Share	-	0.971	-	0.834	0.715
Dividend Growth	-	-	-	16.75%	45.84%
Effective Tax Rate	13.02%	12.73%	11.18%	11.16%	4.03%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.