ADX:FAB 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	259,387	285,133	167,569	223,589	242,726	253,269
Investment Securities	309,760	290,587	263,668	260,542	245,132	197,252
Trading Asset Securities	120,451	114,809	101,921	91,630	90,691	69,846
Total Investments	430,211	405,396	365,589	352,172	335,823	267,098
Gross Loans	685,221	632,724	550,513	504,641	479,724	428,840
Allowance for Loan Losses	-10,315	-9,356	-13,789	-13,501	-13,880	-13,850
Other Adjustments to Gross Loans	-7,360	-7,043	-7,827	-7,186	-6,251	-5,401
Net Loans	667,546	616,325	528,897	483,954	459,593	409,590
Property, Plant & Equipment	5,204	5,386	4,683	5,115	5,795	5,965
Goodwill	18,693	18,693	18,693	18,693	18,693	18,693
Other Intangible Assets	1,001	1,049	1,246	1,443	1,639	1,842
Investments in Real Estate	7,205	7,934	8,169	8,162	7,168	6,963
Accrued Interest Receivable	-	38,909	31,587	27,776	17,926	6,972
Other Receivables	-	5,721	4,797	5,659	5,766	4,193
Restricted Cash	38,116	7,386	68,961	34,173	8,413	19,278
Other Current Assets	-	11,771	12,633	7,659	6,378	7,133
Long-Term Deferred Tax Assets	-	161	423	238	134.77	99.06
Other Long-Term Assets	63,177	-	-	-	-	-
Total Assets	1,490,540	1,403,864	1,213,247	1,168,633	1,110,056	1,001,096
Accounts Payable	-	23,996	17,170	14,587	14,889	11,945
Accrued Expenses	-	-	-	-	380.49	429.98
Interest Bearing Deposits	675,196	619,251	526,921	494,591	483,738	396,325
Non-Interest Bearing Deposits	332,094	359,323	327,354	336,800	278,395	275,330
Total Deposits	1,007,290	978,574	854,275	831,391	762,134	671,655
Short-Term Borrowings	81,102	78,487	71,646	70,661	93,763	68,059
Current Portion of Long-Term Debt	12,131	50,345	25,855	32,306	33,755	60,236
Current Portion of Leases	-	-	-	141	137.44	140.59
Current Income Taxes Payable	-	3,140	2,103	595	577.72	387.24
Accrued Interest Payable	-	33,038	26,771	24,217	15,956	5,014
Other Current Liabilities	-	4,807	6,034	6,832	4,868	3,299
Long-Term Debt	162,286	84,170	78,123	61,920	68,305	66,931
Long-Term Leases	-	-	-	181	240.66	351.67
Pension & Post-Retirement Benefits	-	422	395	379	-	-
Total Liabilities	1,350,231	1,256,979	1,082,372	1,043,210	995,006	888,449
Common Stock	11,048	11,048	11,048	11,048	11,048	10,920
Additional Paid-In Capital	53,583	53,583	53,583	53,558	53,558	53,558
Retained Earnings	63,255	67,503	59,391	49,729	40,498	33,815
Treasury Stock	-	-	-	-7	-6.51	-6.43
Comprehensive Income & Other	12,268	14,564	6,730	10,985	9,941	14,345
Total Common Equity	140,154	146,698	130,752	125,313	115,038	112,632
Minority Interest	155	187	123	110	12.46	15.43
Shareholders' Equity	140,309	146,885	130,875	125,423	115,050	112,647
Total Liabilities & Equity	1,490,540	1,403,864	1,213,247	1,168,633	1,110,056	1,001,096
Total Debt	255,519	213,002	175,624	165,209	196,201	195,719
Net Cash (Debt)	276,877	316,056	190,785	247,768	208,438	179,161
Net Cash Growth	17.52%	65.66%	-23.00%	18.87%	16.34%	15.21%
Net Cash Per Share	25.06	28.61	17.28	22.44	18.88	16.23
Filing Date Shares Outstanding	11,048	11,048	11,048	11,041	11,041	11,041
Total Common Shares Outstanding	11,048	11,048	11,048	11,041	11,041	11,041
Book Value Per Share	11.38	11.97	10.86	10.38	9.44	9.23
Tangible Book Value	120,460	126,956	110,813	105,177	94,706	92,097
Tangible Book Value Per Share	9.60	10.19	9.06	8.55	7.60	7.37