Abu Dhabi Islamic Bank (ADIB) investor relations material

Executive summary

• 9M net profit was EGP 11,597,694 thousand versus EGP 9,443,214 thousand; Q3 net profit was EGP 4,046,861 thousand versus EGP 3,209,275 thousand.

• Total assets were EGP 451,360,107 thousand at 30 Sep 2026 versus EGP 346,711,205 thousand at 31 Dec 2025; customer deposits were EGP 368,379,791 thousand versus EGP 277,864,370 thousand.

• The limited review concluded that nothing came to the reviewers’ attention indicating material non-compliance with applicable CBE rules and Egyptian regulations.

Financial highlights

• 9M income from Murabaha, Musharaka, Mudaraba and similar income was EGP 45,307,080 thousand versus EGP 36,001,825 thousand; net income from funds was EGP 18,833,557 thousand versus EGP 14,772,199 thousand.

• 9M profit before tax was EGP 16,517,828 thousand versus EGP 12,922,318 thousand; income tax expense was EGP 4,920,134 thousand versus EGP 3,479,104 thousand.

• 9M net fees and commission income was EGP 2,397,220 thousand versus EGP 2,047,939 thousand; net trading income was EGP 796,154 thousand versus EGP 520,627 thousand.

• 9M administrative expenses were EGP 3,430,914 thousand versus EGP 2,435,070 thousand; other operating expenses were EGP 1,811,624 thousand versus EGP 779,102 thousand.

• Basic EPS was EGP 7.28 for 9M 2026 versus EGP 9.20 for 9M 2025; Q3 EPS was EGP 2.67 versus EGP 2.31.

Outlook and guidance

• On 29 Oct 2026, the CBE raised key policy rates by 100 bps; the overnight deposit rate rose to 20.0%, lending rate to 21.0%, main operation rate to 20.5%, and discount rate to 20.5%.

• The rate decision followed challenging external conditions and elevated uncertainty, with the stated aim of anchoring expectations and safeguarding the disinflation trajectory.