Abu Dhabi Islamic Bank PJSC (ADX:ADIB)

ADX:ADIB Balance Sheet

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
Cash & Equivalents	2,185	2,134	2,047	2,971	4,603	10,018
Investment Securities	53,689	44,295	43,791	30,811	22,164	13,458
Trading Asset Securities	2,122	2,251	2,330	1,670	2,133	1,655
Total Investments	55,811	46,547	46,121	32,481	24,298	15,113
Gross Loans	200,616	165,714	134,891	126,869	117,598	114,765
Allowance for Loan Losses	-4,465	-4,542	-5,231	-5,689	-4,877	-3,997
Other Adjustments to Gross Loans	-19,964	-15,628	-10,753	-8,945	-23,678	-27,226
Net Loans	176,188	145,545	118,907	112,236	89,043	83,542
Property, Plant & Equipment	2,738	2,646	2,798	2,905	2,311	2,251
Goodwill	237.16	193.07	246.88	280.87	109.89	109.89
Other Intangible Assets	225.14	216.8	388.46	505.15	36.45	91.2
Investments in Real Estate	2,057	2,056	1,986	1,992	2,003	2,024
Accrued Interest Receivable	949.27	675.55	603.04	429.48	114.4	223.73
Other Receivables	2,716	2,460	2,500	3,351	2,824	3,262
Restricted Cash	22,282	19,230	14,127	9,042	9,252	9,014
Other Current Assets	2,280	2,309	1,694	1,211	960	871.91
Other Real Estate Owned & Foreclosed	233.3	88.43	94.59	105.98	78.25	88.74
Other Long-Term Assets	1,834	1,809	1,314	1,005	1,236	1,207
Total Assets	269,734	225,910	192,827	168,517	136,868	127,816
Accounts Payable	1,170	560.79	398.32	447.04	484.01	339.27
Accrued Expenses	291.4	309.93	314.91	314.45	293.5	415.26
Interest Bearing Deposits	163,484	134,914	110,138	97,763	76,084	69,360
Non-Interest Bearing Deposits	64,763	52,554	48,725	42,495	36,339	34,340
Total Deposits	228,247	187,468	158,863	140,258	112,424	103,700
Short-Term Borrowings	21.17	11.19	-	5.95	0.85	665
Current Income Taxes Payable	-	-	-	-	-	193.76
Accrued Interest Payable	1,686	1,468	1,168	896.73	780.1	894.24
Other Current Liabilities	2,630	2,842	1,512	836.47	873.55	894.02
Long-Term Debt	1,836	1,836	1,836	-	-	-
Long-Term Leases	162.12	139.12	180.64	233.79	236.18	265.55
Long-Term Unearned Revenue	433.32	364.93	278.36	201.42	127.91	108.02
Pension & Post-Retirement Benefits	562.59	551.21	586.37	570.91	398.09	414.08
Other Long-Term Liabilities	2,152	2,041	1,448	1,292	691.5	764.59
Total Liabilities	239,191	197,593	166,585	145,056	116,309	108,654
Common Stock	3,632	3,632	3,632	3,632	3,632	3,632
Retained Earnings	21,462	20,119	17,437	14,259	12,016	10,719
Comprehensive Income & Other	4,113	3,594	4,059	4,590	4,900	4,800
Total Common Equity	29,207	27,346	25,129	22,481	20,547	19,151
Minority Interest	1,336	971.55	1,114	980.17	11.57	11.26
Shareholders' Equity	30,543	28,317	26,242	23,461	20,559	19,162
Total Liabilities & Equity	269,734	225,910	192,827	168,517	136,868	127,816
Total Debt	2,020	1,987	2,017	239.74	237.02	930.55
Net Cash (Debt)	22,345	18,764	23,158	16,666	15,502	10,743
Net Cash Growth	2.96%	-18.98%	38.96%	7.51%	44.30%	1.29%
Net Cash Per Share	6.15	5.17	6.38	4.59	4.27	2.96
Filing Date Shares Outstanding	3,632	3,632	3,632	3,632	3,632	3,632
Total Common Shares Outstanding	3,632	3,632	3,632	3,632	3,632	3,632
Book Value Per Share	6.73	6.22	5.61	4.88	4.35	3.96
Tangible Book Value	28,745	26,936	24,493	21,694	20,401	18,950
Tangible Book Value Per Share	6.61	6.11	5.43	4.66	4.31	3.91

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