ADX:ADIB Balance Sheet

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	2,328	6,909	8,797	2,047	2,971	4,603
Investment Securities	50,192	44,267	37,486	43,791	30,811	22,164
Trading Asset Securities	2,153	1,314	2,251	2,330	1,670	2,133
Total Investments	52,345	45,581	39,738	46,121	32,481	24,298
Gross Loans	226,859	213,660	165,714	134,891	126,869	117,598
Allowance for Loan Losses	-4,259	-4,261	-4,542	-5,231	-5,689	-4,877
Other Adjustments to Gross Loans	-20,923	-20,786	-15,628	-10,753	-8,945	-23,678
Net Loans	201,677	188,613	145,545	118,907	112,236	89,043
Property, Plant & Equipment	2,739	2,775	2,646	2,798	2,905	2,311
Goodwill	223.03	238.99	193.07	246.88	280.87	109.89
Other Intangible Assets	188.69	223.88	216.8	388.46	505.15	36.45
Investments in Real Estate	2,046	2,053	2,056	1,986	1,992	2,003
Accrued Interest Receivable	888.51	1,019	675.55	603.04	429.48	114.4
Other Receivables	2,509	2,554	2,608	2,500	3,351	2,824
Restricted Cash	17,706	22,961	19,229	14,127	9,042	9,252
Other Current Assets	2,681	2,305	2,309	1,694	1,211	960
Other Real Estate Owned & Foreclosed	185.61	193.82	88.43	94.59	105.98	78.25
Other Long-Term Assets	1,547	5,325	1,809	1,314	1,005	1,236
Total Assets	287,065	280,753	225,910	192,827	168,517	136,868
Accounts Payable	627.64	695.23	560.79	398.32	447.04	484.01
Accrued Expenses	332.67	361.54	309.93	314.91	314.45	293.5
Interest Bearing Deposits	180,688	174,852	134,914	110,138	97,763	76,084
Non-Interest Bearing Deposits	61,679	59,790	52,554	48,725	42,495	36,339
Total Deposits	242,367	234,642	187,468	158,863	140,258	112,424
Short-Term Borrowings	29.82	25.64	11.19	-	5.95	0.85
Accrued Interest Payable	1,727	1,581	1,468	1,168	896.73	780.1
Other Current Liabilities	2,111	2,388	2,842	1,512	836.47	873.55
Long-Term Debt	6,180	5,200	1,836	1,836	-	-
Long-Term Leases	154.89	174.93	139.12	180.64	233.79	236.18
Long-Term Unearned Revenue	464.21	461.18	364.93	278.36	201.42	127.91
Pension & Post-Retirement Benefits	474.67	642.88	551.21	586.37	570.91	398.09
Other Long-Term Liabilities	2,516	2,211	2,041	1,448	1,292	691.5
Total Liabilities	256,984	248,384	197,593	166,585	145,056	116,309
Common Stock	3,632	3,632	3,632	3,632	3,632	3,632
Retained Earnings	20,816	23,088	20,119	17,437	14,259	12,016
Comprehensive Income & Other	4,171	4,102	3,594	4,059	4,590	4,900
Total Common Equity	28,619	30,822	27,346	25,129	22,481	20,547
Minority Interest	1,462	1,548	971.55	1,114	980.17	11.57
Shareholders' Equity	30,081	32,370	28,317	26,242	23,461	20,559
Total Liabilities & Equity	287,065	280,753	225,910	192,827	168,517	136,868
Total Debt	6,364	5,400	1,987	2,017	239.74	237.02
Net Cash (Debt)	13,811	19,537	18,617	23,158	16,666	15,502
Net Cash Growth	-39.95%	4.94%	-19.61%	38.96%	7.51%	44.30%
Net Cash Per Share	3.80	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	6.57	7.18	6.22	5.61	4.88	4.35
Tangible Book Value	28,207	30,359	26,936	24,493	21,694	20,401
Tangible Book Value Per Share	6.46	7.05	6.11	5.43	4.66	4.31