Abu Dhabi Islamic Bank (ADIB) investor relations material

Executive summary

• 9M 2026 profit before tax rose 6% YoY to AED 6.433bn; profit after tax increased 6% to AED 5.609bn.

• Total assets reached AED 317.642bn at 30 September 2026, versus AED 280.753bn at year-end 2025.

• Financing and deposits expanded, while the NPA ratio improved to 2.0%.

Financial highlights

• 9M operating income was AED 14.878bn vs AED 13.205bn; profit before tax was AED 6.433bn vs AED 6.052bn, and profit after tax AED 5.609bn vs AED 5.316bn.

• 9M revenue was AED 9,714mn, up 6% YoY; funded income rose 11% to AED 6,112mn, while non-funded income was AED 3,601mn, down 0.5%.

• 9M expenses rose 9% to AED 2,831mn; margin increased 5% to AED 6,883mn. Net impairment provision was AED 450.6mn vs AED 511.1mn.

• Q3 profit after tax was AED 1.853bn vs AED 1.825bn; operating income was AED 5.191bn vs AED 4.721bn.

• 9M customer acquisition added 202,000 customers; financing grew AED 33bn YTD and deposits AED 30bn YTD.

Outlook and guidance

• FY 2026 gross financing growth guidance increased to 20%–22% from 18%–20%; 9M growth was 25% YoY and 18% YTD.

• FY net profit margin guidance was revised to 3.5%–3.6% from 3.7%–3.8%; 9M actual was 3.6%.

• FY cost-of-risk guidance was revised to 0.40%–0.50% from 0.40%–0.60%; 9M actual was 0.30%.

• FY cost-to-income guidance is below 30% and ROE guidance above 25%; 9M actuals were 29% and 28%, respectively.

• 9M results are not necessarily indicative of FY 2026 results; liquidity and funding ratios remained above regulatory thresholds.