ADX:CBI Income Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Interest Income on Loans	990.32	1,083	1,036	700.35	562.48
Interest Paid on Deposits	600.7	738.97	680.35	302.55	186.41
Net Interest Income	389.62	344	355.24	397.8	376.08
Net Interest Income Growth (YoY)	13.26%	-3.17%	-10.70%	5.78%	-9.94%
Gain (Loss) on Sale of Assets	113.28	190.2	7.87	12.28	30.02
Gain (Loss) on Sale of Investments	94.84	20.33	32.04	72.47	77.76
Gain (Loss) on Sale of Equity Investments	-7.11	-0.39	-	-	-
Other Non-Interest Income	200.71	149.1	148.39	120.26	146.8
Total Non-Interest Income	401.72	359.24	188.3	205.01	254.57
Non-Interest Income Growth (YoY)	11.83%	90.77%	-8.15%	-19.47%	-21.07%
Revenues Before Loan Losses	791.34	703.23	543.55	602.81	630.65
Provision for Loan Losses	68.57	102.77	53.66	126.69	198.02
Revenue	722.77	600.46	489.89	476.12	432.63
Revenue Growth (YoY)	20.37%	22.57%	2.89%	10.05%	27.13%
Salaries and Employee Benefits	270.99	254.23	237.35	213.77	177.3
Occupancy Expenses	59.44	60.61	58.4	46.21	50.44
Amortization of Goodwill & Intangibles	-	-	-	13.67	18.29
Selling, General & Administrative	83.32	62.83	53.34	43.62	47.61
Other Non-Interest Expense	-2.06	0.95	-23.28	10.67	7.17
Total Non-Interest Expense	411.7	378.62	325.82	327.94	300.81
EBT Excluding Unusual Items	311.07	221.85	164.07	148.18	131.82
Asset Writedown	-	0.81	6.57	2.29	-1.27
Pretax Income	311.07	222.65	170.64	150.47	130.56
Income Tax Expense	16.29	20.8	-	-	-
Earnings From Continuing Operations	294.79	201.86	170.64	150.47	130.56
Minority Interest in Earnings	-46.15	-0.68	-16.72	-33.23	-8.78
Net Income	248.63	201.18	153.92	117.24	121.78
Preferred Dividends & Other Adjustments	27.52	27.52	-	-	-
Net Income to Common	221.11	173.66	153.92	117.24	121.78
Net Income Growth	23.59%	30.70%	31.29%	-3.73%	-
Basic Shares Outstanding	1,737	1,737	1,737	1,737	1,737
Diluted Shares Outstanding	1,737	1,737	1,737	1,737	1,737
EPS (Basic)	0.13	0.10	0.09	0.07	0.07
EPS (Diluted)	0.13	0.10	0.09	0.07	0.07
EPS Growth	27.32%	12.82%	31.29%	-3.73%	-
Effective Tax Rate	5.24%	9.34%	-	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.