Abu Dhabi Islamic Bank · ADX:ADIB
Abu Dhabi Islamic Bank — 9M 2026 Earnings Presentation
28 slides from Abu Dhabi Islamic Bank's earnings presentation, Oct 28, 2026
Slide 1: 9M 2026 Financial Results
9M 2026 Financial Results Earnings Presentation Analysts & Investors Conference Call ADIB IR Website Abu Dhabi, 28 October 2026 IR App Download link:
Slide 2: Contents
Contents 9M 2026 Earnings Presentation Key Highlights Financial Performance Questions & Answers Appendix Contacts Disclaimer 2
Slide 3: Key Highlights
Key Highlights 9M 2026 Earnings Presentation
Slide 4: Key highlights
Key highlights Strong 9M’26 performance supported by broad-based financing growth and diversified income amid positive UAE economic momentum 6% YoY growth in net profit before tax to AED 6.4bn, driven by sustained business momentum, strong 9M’26 Net Income growth YoY balance sheet expansion and cust
Slide 5: Outlook and Guidance
Outlook and Guidance Strong execution, resilient fundamentals and a supportive UAE economic outlook underpin the upgraded FY 2026 guidance Management Guidance 9M 2026 Actual FY 2026 Guidance Gross financing growth Customer financing momentum in both retail and corporate was strong in 9M 25% YoY 20%
Slide 6: Leveraging Our Unique Market Position to Deliver Strong Financial Performance
Leveraging Our Unique Market Position to Deliver Strong Financial Performance Unique Market Strong Capital & Sustained business Sound Asset Position Funding Position momentum Quality ❖ 2.8 million ❖ 12.4% CET1 15.6% CAR ❖ AED 6.4bn NPBT ❖ 2% NPA Ratio Customers across the franchise Strong capital ba
Slide 7: Vision 2035: Winning in the next phase of growth by building on our strengths
Vision 2035: Winning in the next phase of growth by building on our strengths Key strategic and business updates 2030 Strategic Revolutionize Building the Advancing Pillars Customer Experience Bank for the future Sustainability Initiatives Key Strategic Updates Building the Bank of the Revolutionizi
Slide 8: Financial Performance
Financial Performance 9M 2026 Earnings Presentation
Slide 9: Key financial metrics – 9M 2026
Key financial metrics – 9M 2026 Record profitability in 9M 2026, driven by strong underlying business momentum and balance sheet growth 9M 2025 9M 2026 9M 2026 vs 9M 2025 Amount % Profitability (AED mn) Funded Income 5,530 6,112 582 11% Non- funded Income 3,618 3,601 -17 -0.5% Revenue 9,148 9,714 56
Slide 10: Key financial metrics – 3Q 2026
Key financial metrics – 3Q 2026 3Q 2026 net profit increased 2% YoY, supported by continued business momentum, strong customer activity and transaction volumes 3Q 2025 3Q 2026 % YoY 2Q 2026 % QoQ Profitability (AED mn) Funded Income 1,922 2,017 5% 2,054 -2% Non- funded Income 1,292 1,206 -7% 1,234 -
Slide 11: Income Statement
Income Statement Record profitability, underpinned by strong core business growth and improving asset quality Net Income (AEDmn) Net Income before Tax Movement YoY (AEDmn) 2,214 +6% 2,095 2,049 2,096 2,123 582 60 6,433 6,052 1,930 -17 -245 1,825 1,825 1,853 1,754 Net income Funded income Non-funded
Slide 12: Funded Income
Funded Income Strong customer financing expansion drove 11% YoY growth in funded income, offsetting the impact of margin compression Net Profit Margin (%) Net Profit Margin Movement YoY (%) 7.17% 6.83% 6.73% 6.71% -54bps 7.24% 4.17% 3.64% 4.11% 3.91% 3.78% 4.17% 3.64% -0.16% -0.04% -0.06% -0.12% -0.
Slide 13: Non-Funded Income
Non-Funded Income Non-funded income contributes 37% of total revenue, with 3Q 2026 fee and commission income up 9% YoY and 11% QoQ Non-Funded Income (AEDmn) Non-Funded Income Movement YoY (AEDmn) -7% -0.5% 1,292 1,234 1,206 3,618 7 3 3,601 1,133 1,162 77 9 27 194 10 30 211 181 196 185 -9 -18 480 431
Slide 14: Operating Expenses
Operating Expenses Strategic investments continue to support business growth and transformation, with cost-to-income maintained below 30% Expenses Movement YoY (AEDmn) penses ompos on mor sa on of ntang b es +9% eprec a on 2 9 mn 105 127 13 2,831 2 mn 2,585 9M 26 enera adm n stra e costs mp oyee cos
Slide 15: Provisions
Provisions Asset quality continued to improve, reflecting disciplined underwriting standards and prudent risk management Provisions Movement YoY (AEDmn) -12% 511 42 10 451 -20 -92 Provisions Retail Wholesale Associates and subs Others Provisions 9M 25 9M 26 -5% +58% +10% -122% Cost Of Risk (%) mpa r
Slide 16: Non-Performing Financing
Non-Performing Financing Asset quality continued to strengthen with the NPA ratio reaching a record low 2% and coverage increasing to 114% Provisions & Impairment Reserves (AEDmn) NPA Movement YoY (AEDmn) -1% -22% 5,093 4,839 5,177 4,882 5,059 5,701 661 626 969 1,143 996 4,425 2,914 2,640 -495 2,712
Slide 17: Balance Sheet
Balance Sheet Strong balance sheet growth, with total assets up AED 48bn YoY, driven by 26% growth in net customer financing and supported by a diversified funding base Total Assets (AEDbn) Total Assets Movement YoY (AEDbn) 317.6 303.9 +18% 287.1 280.8 43.7 1.0 0.6 317.6 269.7 269.7 3.0 -0.3 3Q 25 4
Slide 18: Customer Financing
Customer Financing Strong and broad-based financing growth, with net customer financing increasing AED 44bn YoY across key customer segments Customer Financing, Net (AEDbn) ustomer nanc ng Customer Financing, Gross (AEDbn) 214.5 ross by Segment +25% 206.2 +18% t er ssoc ates Subs 218.5 198.0 210.1 2
Slide 19: Investments
Investments Investment Portfolio grew 13% vs 4Q 2025 with 85% accounted for at amortized cost Investments (AEDbn) Investments Movement YoY (AEDbn) 35.7 +3% 35.6 34.8 34.9 34.8 1.2 35.7 -0.2 -0.1 31.6 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Investments Investments carried Investments carried Investments carrie
Slide 20: Customer Deposits
Customer Deposits Strong deposit growth of AED 30bn YTD, maintaining a healthy funding mix with CASA representing 60% of total deposits Total Deposits (AEDbn) Total Deposits Movement YoY (AEDbn) 258.7 239.3 245.7 +17% 229.1 221.7 22.5 0.8 3.8 5.8 258.7 221.7 4.2 -0.1 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 ot
Slide 21: Capital and Liquidity
Capital and Liquidity Strong capital and liquidity position maintained alongside significant balance sheet growth, with additional capital supporting future growth capacity Capitalization Ratios (%) Liquidity Ratios (%) 87.6% 90.0% 86.9% 81.6% 84.1% 16.7% 15.7% 81.0% 83.9% 82.9% 15.5% 15.6% 15.6% 77
Slide 22: Questions & Answers
Questions & Answers 9M 2026 Earnings Presentation
Slide 23: Appendix
Appendix 9M 2026 Earnings Presentation
Slide 24: Ratings and Accolades
Ratings and Accolades ADIB's recognition for excellence in Islamic banking Credit Ratings ADIB's MSCI ESG Rating Recent Accolades A2 #1 #1 Stable Outlook Middle East Bank M dd e ast’s for consumers leader for Digital Solutions MSCI Rating Distribution A+ Stable Outlook #1 #1 ’s nanc a Islamic Financ
Slide 25: Contacts
Contacts 9M 2026 Earnings Presentation
Slide 26: Additional Information
Additional Information Please contact the Investor Relations team for additional information or download ADIB's IR App ADIB Investor Relations Contact ADIB Investor Relations App Mrs. Lamia Khaled Hariz Head of Public Affairs and Investor Relations E: Lamia.Hariz@adib.com T: +917 2 634 3000 M: +971
Slide 27: Disclaimer
Disclaimer 9M 2026 Earnings Presentation
Slide 28: Disclaimer
Disclaimer The information contained herein has been prepared by Abu Dhabi Islamic Bank PJSC (ADIB). ADIB relies on information obtained from sources believed to be reliable but does not guarantee its accuracy or completeness. This presentation has been prepared for information purposes only and is
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