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	Jun '26 Jun 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
Interest Income on Loans	1,002	990.32	1,083	1,036	700.35	562.48
Interest Paid on Deposits	596.6	600.7	738.97	680.35	302.55	186.41
Net Interest Income	405.42	389.62	344	355.24	397.8	376.08
Net Interest Income Growth	10.52%	13.26%	-3.17%	-10.70%	5.78%	-9.94%
Gain (Loss) on Sale of Assets	38.4	113.28	190.2	7.87	12.28	30.02
Gain (Loss) on Sale of Investments	112.74	94.84	20.33	32.04	72.47	77.76
Gain (Loss) on Sale of Equity Investments	-9.61	-7.11	-0.39	-	-	-
Other Non-Interest Income	188.52	200.71	149.1	148.39	120.26	146.8
Total Non-Interest Income	330.04	401.72	359.24	188.3	205.01	254.57
Non-Interest Income Growth	-24.65%	11.83%	90.77%	-8.15%	-19.47%	-21.07%
Revenues Before Loan Losses	735.47	791.34	703.23	543.55	602.81	630.65
Provision for Loan Losses	-65.99	68.57	102.77	53.66	126.69	198.02
Revenue	801.45	722.77	600.46	489.89	476.12	432.63
Revenue Growth	30.39%	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	98.96	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	427.34	411.7	378.62	325.82	327.94	300.81
EBT Excluding Unusual Items	374.12	311.07	221.85	164.07	148.18	131.82
Asset Writedown	-	-	0.81	6.57	2.29	-1.27
Pretax Income	374.12	311.07	222.65	170.64	150.47	130.56
Income Tax Expense	22.04	16.29	20.8	-	-	-
Earnings From Continuing Operations	352.07	294.79	201.86	170.64	150.47	130.56
Minority Interest in Earnings	-45.29	-46.15	-0.68	-16.72	-33.23	-8.78
Net Income	306.78	248.63	201.18	153.92	117.24	121.78
Preferred Dividends & Other Adjustments	27.52	27.52	27.52	-	-	-
Net Income to Common	279.26	221.11	173.66	153.92	117.24	121.78
Net Income Growth	57.32%	27.32%	12.82%	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
Shares Change	-	-	-	-	-	-
EPS (Basic)	0.16	0.13	0.10	0.09	0.07	0.07
EPS (Diluted)	0.16	0.13	0.10	0.09	0.07	0.07
EPS Growth	57.32%	27.32%	12.82%	31.29%	-3.73%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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
Effective Tax Rate	5.89%	5.24%	9.34%	-	-	-