ADX:FAB 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	61,020	60,581	63,048	58,758	30,104	18,084
Interest Paid on Deposits	39,309	40,259	43,436	40,619	15,887	6,426
Net Interest Income	21,711	20,322	19,612	18,139	14,217	11,658
Net Interest Income Growth	9.02%	3.62%	8.12%	27.58%	21.95%	-4.88%
Gain (Loss) on Sale of Assets	-	-	-	285	3,098	507.4
Gain (Loss) on Sale of Investments	10,852	11,553	5,399	3,704	2,318	6,485
Other Non-Interest Income	5,306	4,800	6,614	5,626	4,628	3,774
Total Non-Interest Income	16,158	16,353	12,013	9,615	10,044	10,766
Non-Interest Income Growth	13.05%	36.13%	24.94%	-4.27%	-6.71%	63.98%
Revenues Before Loan Losses	37,869	36,675	31,625	27,754	24,261	22,425
Provision for Loan Losses	3,849	3,275	3,924	3,078	2,839	2,658
Revenue	34,020	33,400	27,701	24,676	21,421	19,766
Revenue Growth	10.71%	20.57%	12.26%	15.19%	8.37%	22.00%
Salaries and Employee Benefits	4,407	4,239	4,032	3,570	3,233	3,005
Occupancy Expenses	867	940	1,074	938	1,067	735.71
Amortization of Goodwill & Intangibles	224	224	224	238	202.96	198.86
Selling, General & Administrative	2,806	2,661	2,364	2,274	2,155	1,720
Total Non-Interest Expense	8,452	8,200	7,787	7,125	6,705	5,719
EBT Excluding Unusual Items	25,568	25,200	19,914	17,551	14,717	14,047
Asset Writedown	-	-	-	1	-326.85	-743.36
Pretax Income	25,568	25,200	19,914	17,552	14,390	13,187
Income Tax Expense	4,264	4,011	2,818	1,042	967.62	644.27
Earnings From Continuing Operations	21,304	21,189	17,096	16,510	13,422	12,542
Minority Interest in Earnings	-100	-79	-41	-105	-10.91	-11.16
Net Income	21,204	21,110	17,055	16,405	13,411	12,531
Preferred Dividends & Other Adjustments	760	679	743	653	376.47	356.2
Net Income to Common	20,444	20,431	16,312	15,752	13,035	12,175
Net Income Growth	10.08%	25.25%	3.55%	20.85%	7.06%	20.20%
Basic Shares Outstanding	11,048	11,048	11,041	11,041	11,041	11,040
Diluted Shares Outstanding	11,048	11,048	11,041	11,041	11,041	11,040
Shares Change	0.03%	0.06%	-	-0.00%	0.01%	0.06%
EPS (Basic)	1.85	1.85	1.48	1.43	1.18	1.10
EPS (Diluted)	1.85	1.85	1.48	1.43	1.18	1.10
EPS Growth	10.04%	25.17%	3.55%	20.91%	7.27%	19.82%

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
Dividend Per Share	0.800	0.800	0.750	0.710	0.520	0.484
Dividend Growth	6.67%	6.67%	5.63%	36.54%	7.37%	-33.79%
Effective Tax Rate	16.68%	15.92%	14.15%	5.94%	6.72%	4.89%