Abu Dhabi Islamic Bank (ADIB) Q2 2025 earnings summary

Executive summary

• H1 net profit was EGP 6,233,939 thousand vs EGP 4,578,733 thousand; pre-tax profit was EGP 8,428,137 thousand vs EGP 6,220,393 thousand.

• Limited review conclusion: nothing came to the auditors’ attention indicating material non-compliance with applicable CBE and Egyptian requirements.

Financial highlights

• H1 net income from funds reached EGP 9,561,413 thousand vs EGP 7,042,322 thousand; Q2 was EGP 4,855,161 thousand vs EGP 3,801,352 thousand.

• H1 net fees and commissions were EGP 1,363,468 thousand vs EGP 971,676 thousand; Q2 was EGP 722,289 thousand vs EGP 506,872 thousand.

• H1 administrative expenses were EGP 1,561,610 thousand vs EGP 1,238,300 thousand; other operating expenses were EGP 741,715 thousand vs EGP 277,838 thousand.

• H1 expected credit losses were EGP 732,193 thousand vs EGP 774,689 thousand; Q2 charge was EGP 314,261 thousand vs EGP 478,738 thousand.

• Total assets were EGP 298,101,918 thousand at June 30, 2025 vs EGP 260,467,106 thousand at Dec. 31, 2024; customer deposits were EGP 233,402,134 thousand vs EGP 199,982,599 thousand.

Segment performance

• Investment segment pre-tax profit was EGP 2,869,406 thousand vs EGP 2,023,621 thousand in H1 2024; segment assets were EGP 144,324,473 thousand.

• Corporate segment pre-tax profit was EGP 1,893,931 thousand vs EGP 1,673,190 thousand; segment assets were EGP 81,539,700 thousand.

• Retail segment pre-tax profit was EGP 2,146,794 thousand vs EGP 1,195,372 thousand; segment assets were EGP 39,496,007 thousand.