ADX:ADIB Balance Sheet

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
Cash & Equivalents	2,328	6,909	-	8,797	2,047
Investment Securities	50,192	44,267	-	37,486	43,791
Trading Asset Securities	2,153	1,314	-	2,251	2,330
Total Investments	52,345	45,581	-	39,738	46,121
Gross Loans	226,859	213,660	-	165,714	134,891
Allowance for Loan Losses	-4,259	-4,261	-	-4,542	-5,231
Other Adjustments to Gross Loans	-20,923	-20,786	-	-15,628	-10,753
Net Loans	201,677	188,613	-	145,545	118,907
Property, Plant & Equipment	2,739	2,775	-	2,646	2,798
Goodwill	223.03	238.99	-	193.07	246.88
Other Intangible Assets	188.69	223.88	-	216.8	388.46
Investments in Real Estate	2,046	2,053	-	2,056	1,986
Accrued Interest Receivable	888.51	1,019	-	675.55	603.04
Other Receivables	2,509	2,554	-	2,608	2,500
Restricted Cash	17,706	22,961	-	19,229	14,127
Other Current Assets	2,681	2,305	-	2,309	1,694
Other Real Estate Owned & Foreclosed	185.61	193.82	-	88.43	94.59
Other Long-Term Assets	1,547	5,325	-	1,809	1,314
Total Assets	287,065	280,753	-	225,910	192,827
Accounts Payable	627.64	695.23	-	560.79	398.32
Accrued Expenses	332.67	361.54	-	309.93	314.91
Interest Bearing Deposits	180,688	174,852	-	134,914	110,138
Non-Interest Bearing Deposits	61,679	59,790	-	52,554	48,725
Total Deposits	242,367	234,642	-	187,468	158,863
Short-Term Borrowings	29.82	25.64	-	11.19	-
Accrued Interest Payable	1,727	1,581	-	1,468	1,168
Other Current Liabilities	2,111	2,388	-	2,842	1,512
Long-Term Debt	6,180	5,200	-	1,836	1,836
Long-Term Leases	154.89	174.93	-	139.12	180.64
Long-Term Unearned Revenue	464.21	461.18	-	364.93	278.36
Pension & Post-Retirement Benefits	474.67	642.88	-	551.21	586.37
Other Long-Term Liabilities	2,516	2,211	-	2,041	1,448
Total Liabilities	256,984	248,384	-	197,593	166,585
Common Stock	3,632	3,632	-	3,632	3,632
Retained Earnings	20,816	23,088	-	20,119	17,437
Comprehensive Income & Other	4,171	4,102	-	3,594	4,059
Total Common Equity	28,619	30,822	27,346	27,346	25,129
Minority Interest	1,462	1,548	-	971.55	1,114
Shareholders' Equity	30,081	32,370	28,317	28,317	26,242
Total Liabilities & Equity	287,065	280,753	-	225,910	192,827
Total Debt	6,364	5,400	1,987	1,987	2,017
Net Cash (Debt)	13,811	19,537	18,617	18,617	23,158
Net Cash Growth	-29.31%	4.94%	-	-19.61%	38.96%
Net Cash Per Share	3.80	5.38	5.13	5.13	6.38
Filing Date Shares Outstanding	3,632	3,632	3,632	3,632	3,632
Total Common Shares Outstanding	3,632	3,632	3,632	3,632	3,632
Book Value Per Share	6.57	7.18	6.22	6.22	5.61
Tangible Book Value	28,207	30,359	26,936	26,936	24,493
Tangible Book Value Per Share	6.46	7.05	6.11	6.11	5.43

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