ADX:CBI Income Statement

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
Interest Income on Loans	983.3	990.32	1,083	1,036	700.35	562.48
Interest Paid on Deposits	586.56	600.7	738.97	680.35	302.55	186.41
Net Interest Income	396.74	389.62	344	355.24	397.8	376.08
Net Interest Income Growth (YoY)	10.58%	13.26%	-3.17%	-10.70%	5.78%	-9.94%
Gain (Loss) on Sale of Assets	54.73	113.28	190.2	7.87	12.28	30.02
Gain (Loss) on Sale of Investments	104.62	94.84	20.33	32.04	72.47	77.76
Gain (Loss) on Sale of Equity Investments	-7.11	-7.11	-0.39	-	-	-
Other Non-Interest Income	182.84	200.71	149.1	148.39	120.26	146.8
Total Non-Interest Income	335.08	401.72	359.24	188.3	205.01	254.57
Non-Interest Income Growth (YoY)	-22.38%	11.83%	90.77%	-8.15%	-19.47%	-21.07%
Revenues Before Loan Losses	731.82	791.34	703.23	543.55	602.81	630.65
Provision for Loan Losses	-4.19	68.57	102.77	53.66	126.69	198.02
Revenue	736.01	722.77	600.46	489.89	476.12	432.63
Revenue Growth (YoY)	19.98%	20.37%	22.57%	2.89%	10.05%	27.13%
Salaries and Employee Benefits	270.99	270.99	254.23	237.35	213.77	177.3
Occupancy Expenses	59.44	59.44	60.61	58.4	46.21	50.44
Amortization of Goodwill & Intangibles	-	-	-	-	13.67	18.29
Selling, General & Administrative	90.18	83.32	62.83	53.34	43.62	47.61
Other Non-Interest Expense	-2.06	-2.06	0.95	-23.28	10.67	7.17
Total Non-Interest Expense	418.56	411.7	378.62	325.82	327.94	300.81
EBT Excluding Unusual Items	317.46	311.07	221.85	164.07	148.18	131.82
Asset Writedown	-	-	0.81	6.57	2.29	-1.27
Pretax Income	317.46	311.07	222.65	170.64	150.47	130.56
Income Tax Expense	17.26	16.29	20.8	-	-	-
Earnings From Continuing Operations	300.2	294.79	201.86	170.64	150.47	130.56
Minority Interest in Earnings	-45.68	-46.15	-0.68	-16.72	-33.23	-8.78
Net Income	254.52	248.63	201.18	153.92	117.24	121.78
Preferred Dividends & Other Adjustments	27.52	27.52	27.52	-	-	-
Net Income to Common	227	221.11	173.66	153.92	117.24	121.78
Net Income Growth	22.98%	23.59%	30.70%	31.29%	-3.73%	-
Basic Shares Outstanding	1,737	1,737	1,737	1,737	1,737	1,737
Diluted Shares Outstanding	1,737	1,737	1,737	1,737	1,737	1,737
EPS (Basic)	0.13	0.13	0.10	0.09	0.07	0.07
EPS (Diluted)	0.13	0.13	0.10	0.09	0.07	0.07
EPS Growth	26.50%	27.32%	12.82%	31.29%	-3.73%	-
Effective Tax Rate	5.44%	5.24%	9.34%	-	-	-

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