Abu Dhabi Islamic Bank - Egypt - S.A.E (EGX:ADIB)

EGX:ADIB Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	46,876	36,944	19,534	11,036	8,198	7,232
Interest Income on Investments	5.86	5.42	5.2	2.69	4.82	2.63
Total Interest Income	46,881	36,950	19,539	11,039	8,203	7,235
Interest Paid on Deposits	27,882	21,692	10,609	6,214	4,582	4,041
Net Interest Income	18,999	15,258	8,929	4,825	3,621	3,194
Net Interest Income Growth (YoY)	38.53%	70.87%	85.06%	33.26%	13.37%	3.60%
Income From Trading Activities	669.94	708.71	291.15	163.45	83.97	181.86
Gain (Loss) on Sale of Assets	37.67	19.78	42.4	1.5	1.29	12.57
Gain (Loss) on Sale of Investments	8.76	-	0.01	27.44	88.16	13.92
Other Non-Interest Income	2,460	1,895	1,558	1,040	554.21	463.54
Total Non-Interest Income	3,177	2,624	1,892	1,232	727.63	671.89
Non-Interest Income Growth (YoY)	32.52%	38.67%	53.54%	69.36%	8.30%	6.08%
Revenues Before Loan Losses	22,176	17,882	10,821	6,057	4,348	3,866
Provision for Loan Losses	1,959	2,171	1,634	832.46	175.67	444.71
Revenue	20,217	15,711	9,188	5,225	4,173	3,421
Revenue Growth (YoY)	44.22%	71.00%	75.84%	25.22%	21.98%	3.36%
Selling, General & Administrative	3,369	2,792	2,058	1,647	1,549	1,444
Other Non-Interest Expense	1,051	769.08	678.85	304.34	369.93	221.92
Total Non-Interest Expense	4,287	3,421	2,652	1,919	1,883	1,637
EBT Excluding Unusual Items	15,930	12,290	6,535	3,306	2,290	1,784
Asset Writedown	-	-	-	-	-3.67	-15.31
Pretax Income	15,930	12,290	6,535	3,306	2,281	1,752
Income Tax Expense	4,279	3,274	1,862	1,111	807.48	556.28
Earnings From Continuing Operations	11,652	9,016	4,674	2,196	1,473	1,196
Earnings From Discontinued Operations	-	-	-	-5.81	-22.86	-
Minority Interest in Earnings	-11.83	-7.41	-3.19	6.63	2.61	-3.48
Net Income	11,640	9,009	4,671	2,196	1,453	1,192
Net Income to Common	11,640	9,009	4,671	2,196	1,453	1,192
Net Income Growth	46.97%	92.88%	112.65%	51.15%	21.87%	-3.01%
Basic Shares Outstanding	1,115	1,285	1,077	709	575	560
Diluted Shares Outstanding	1,115	1,285	1,077	709	575	560
Shares Change (YoY)	-9.45%	19.27%	51.86%	23.48%	2.59%	4.58%
EPS (Basic)	10.44	7.01	4.33	3.10	2.53	2.13
EPS (Diluted)	10.44	7.01	4.33	3.10	2.53	2.13
EPS Growth	62.31%	61.71%	40.03%	22.40%	18.79%	-7.26%
Effective Tax Rate	26.86%	26.64%	28.48%	33.59%	35.40%	31.75%

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