ADX:ADIB Balance Sheet

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

Millions AED. Fiscal year is Jan - Dec.

Assets

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
Cash & Equivalents	2,297	6,909	8,797	2,047	2,971	4,603
Investment Securities	54,202	44,267	37,486	43,791	30,811	22,164
Trading Asset Securities	1,963	1,314	2,251	2,330	1,670	2,133
Total Investments	56,165	45,581	39,738	46,121	32,481	24,298
Gross Loans	248,251	213,660	165,714	134,891	126,869	117,598
Allowance for Loan Losses	-3,965	-4,261	-4,542	-5,231	-5,689	-4,877
Other Adjustments to Gross Loans	-22,058	-20,786	-15,628	-10,753	-8,945	-23,678
Net Loans	222,228	188,613	145,545	118,907	112,236	89,043
Property, Plant & Equipment	2,836	2,775	2,646	2,798	2,905	2,311
Goodwill	228.2	238.99	193.07	246.88	280.87	109.89
Other Intangible Assets	194.86	223.88	216.8	388.46	505.15	36.45
Investments in Real Estate	2,040	2,053	2,056	1,986	1,992	2,003
Accrued Interest Receivable	936.77	1,019	675.55	603.04	429.48	114.4
Other Receivables	1,514	2,554	2,608	2,500	3,351	2,824
Restricted Cash	24,455	22,961	19,229	14,127	9,042	9,252
Other Current Assets	2,876	2,305	2,309	1,694	1,211	960
Other Real Estate Owned & Foreclosed	178.22	193.82	88.43	94.59	105.98	78.25
Other Long-Term Assets	1,693	5,325	1,809	1,314	1,005	1,236
Total Assets	317,642	280,753	225,910	192,827	168,517	136,868

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
Accounts Payable	610.6	695.23	560.79	398.32	447.04	484.01
Accrued Expenses	302.3	361.54	309.93	314.91	314.45	293.5
Interest Bearing Deposits	200,100	174,852	134,914	110,138	97,763	76,084
Non-Interest Bearing Deposits	62,023	59,790	52,554	48,725	42,495	36,339
Total Deposits	262,123	234,642	187,468	158,863	140,258	112,424
Short-Term Borrowings	35.09	25.64	11.19	-	5.95	0.85
Accrued Interest Payable	1,875	1,581	1,468	1,168	896.73	780.1
Other Current Liabilities	2,323	2,388	2,842	1,512	836.47	873.55
Long-Term Debt	13,123	5,200	1,836	1,836	-	-
Long-Term Leases	177.42	174.93	139.12	180.64	233.79	236.18
Long-Term Unearned Revenue	491.64	461.18	364.93	278.36	201.42	127.91
Pension & Post-Retirement Benefits	549.46	642.88	551.21	586.37	570.91	398.09
Other Long-Term Liabilities	2,233	2,211	2,041	1,448	1,292	691.5
Total Liabilities	283,843	248,384	197,593	166,585	145,056	116,309

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
Common Stock	3,632	3,632	3,632	3,632	3,632	3,632
Retained Earnings	24,023	23,088	20,119	17,437	14,259	12,016
Comprehensive Income & Other	4,379	4,102	3,594	4,059	4,590	4,900
Total Common Equity	32,034	30,822	27,346	25,129	22,481	20,547
Minority Interest	1,764	1,548	971.55	1,114	980.17	11.57
Shareholders' Equity	33,798	32,370	28,317	26,242	23,461	20,559
Total Liabilities & Equity	317,642	280,753	225,910	192,827	168,517	136,868

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
Total Debt	13,336	5,400	1,987	2,017	239.74	237.02
Net Cash (Debt)	10,289	19,537	18,617	23,158	16,666	15,502
Net Cash Growth	-44.20%	4.94%	-19.61%	38.96%	7.51%	44.30%
Net Cash Per Share	2.83	5.38	5.13	6.38	4.59	4.27
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	7.51	7.18	6.22	5.61	4.88	4.35
Tangible Book Value	31,611	30,359	26,936	24,493	21,694	20,401
Tangible Book Value Per Share	7.39	7.05	6.11	5.43	4.66	4.31