Abu Dhabi Islamic Bank · ADX:ADIB
Abu Dhabi Islamic Bank — H1 2025 Earnings Presentation
28 slides from Abu Dhabi Islamic Bank's earnings presentation, Jul 24, 2025
Slide 1: 1H 2025 Earnings Presentation
1H 2025 Earnings Presentation Analyst & Investor Conference Call Abu Dhabi, 24 July 2025 ADIB IR Website IR App Download link:
Slide 2: Contents
Contents 1H 2025 Earnings Presentation Key Highlights Financial Performance Questions & Answers Appendix Contacts Disclaimer 2
Slide 3: Key Highlights
Key Highlights 1H 2025 Earnings Presentation
Slide 4: Key highlights
Key highlights ADIB sustained record performance in 1H 2025 on the back of strong financing momentum and solid top-line growth 1H’25 Net Income growth YoY Record 1H 2025 performance with net income before tax of AED 4.0bn up 16% YoY and up 15% after tax to AED 3.5bn, translating to ROE of 29.8% +16%
Slide 5: Outlook and Guidance
Outlook and Guidance UAE economic resilience, the solid financial & strategic foundations drive promising outlook for the rest of 2025 Market Outlook Management Guidance 1H 2025 Actual FY 2025 Guidance Resilient growth reflecting strong momentum in non-oil sector Gross Financing Growth 22% YoY 18% t
Slide 6: Financial Performance
Financial Performance 1H 2025 Earnings Presentation
Slide 7: Financial Performance Highlights
Financial Performance Highlights Record profitability in 1H 2025 driven by growth across core businesses in line with strategy to increase market share Strong YoY Growth in Profitability Robust Balance Sheet Growth YoY Strong Capital Position and Return YoY 4.0bn 260bn 16.6% Net Income before tax To
Slide 8: Key financial metrics – 1H 2025 vs 1H 2024
Key financial metrics – 1H 2025 vs 1H 2024 Record set of results with ROE reaching 29.8% driven strong commercial momentum, diversified revenue streams and cost discipline 1H 2024 1H 2025 1H 2025 vs 1H 2024 Amount % Profitability (AED mn) Revenue 5,349 5,934 584 11% Expenses -1,528 -1,672 -143 9% Ma
Slide 9: Income Statement
Income Statement Strong YoY net income growth of 16% driven by strong revenue momentum, revenue diversification and balance sheet growth Net Income (AEDmn) Net Income before Tax Movement YoY (AEDmn) 1,936 2,021 +16% 1,777 1,804 298 286 97 3,957 1,645 3,419 1,780 1,710 -143 1,578 1,605 1,467 Net inco
Slide 10: Funded Income
Funded Income Stabilized margins, strong volume growth and disciplined balance sheet management, drove a 9% increase in funded income Net Profit Margin (%) Net Profit Margin Movement YoY (%) 7.47% 7.40% 7.37% 7.29% 7.41% -33bps 4.60% 0.06% 4.46% 0.11% 4.27% 4.35% 4.31% 4.27% 4.60% -0.16% -0.29% 2.60
Slide 11: Non-Funded Income
Non-Funded Income Exceptional non-funded income growth, reflecting our strategic focus on revenue diversification across F&C, FX and investment income streams Non-Funded Income (AEDmn) Non-Funded Income Movement YoY (AEDmn) +38% +15% 1,120 1,206 208 1,064 974 194 873 235 2,326 2,028 -339 2Q 24 * 3Q
Slide 12: Operating Expenses
Operating Expenses Despite ongoing investment in growth initiatives, we delivered a 40bps YoY improvement in Cost/Income ratio Expenses Movement YoY (AEDmn) +9% 76 55 13 1,672 1,528 Expenses Employee costs General & Depr'n & Amort'n Expenses 1H 24 admin costs 1H 25 +8% +12% +8% Expenses Composition
Slide 13: Provisions
Provisions Cost of risk at a historical low, reflecting disciplined risk management and strong asset quality Provisions Movement YoY (AEDmn) -24% 402 27 0.3 305 -62 -61 Provisions Retail Wholesale Associates and subs Others Provisions 1H 24 1H 25 -22% -37% +0% +375% Cost Of Risk (%) Impairments Comp
Slide 14: Non-Performing Financing
Non-Performing Financing Asset quality continues to improve significantly with NPA ratio of 3.5% lowest since 4Q 16 while coverage ratio increased to 85% NPA (AEDmn) NPA Movement YoY (AEDmn) -10% -10% 6,384 6,116 6,384 5,941 5,753 5,771 5,771 -51 -561 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 NPA Individual Non
Slide 15: Balance Sheet
Balance Sheet Exceptional asset growth fueled by 23% growth in customer financing supported by strong and diversified funding position Total Assets (AEDbn) Total Assets Movement YoY (AEDbn) 260.4 +22% 243.5 30.7 7.6 1.9 260.4 225.9 213.4 2.7 4.1 222.6 213.4 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 Total assets
Slide 16: Customer Financing
Customer Financing AED 31 billion net increase in financing in the past 12 months with RBG experiencing a strong momentum Customer Financing, Net (AEDbn) Customer Financing, Customer Financing, Gross Movement YoY (AEDbn) Gross by Segment (%) 162.8 +22% Private 16.4 9.2 0.9 2.6 1.5 167.2 Other 136.6
Slide 17: Investments
Investments Investment Portfolio grew 28% vs 2Q 24 with 84% accounted for at amortized cost Investments (AEDbn) Investments Movement YoY (AEDbn) 34.7 +28% 32.2 7.6 0.1 34.7 27.2 -0.1 28.8 29.3 27.2 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 Investments Investments carried Investments carried Investments carried
Slide 18: Customer Deposits
Customer Deposits Substantial increase in customer deposits with ADIB attracting AED 14.0bn of CASA deposits contributing to a healthy funding mix Total Deposits (AEDbn) Total Deposits Movement YoY (AEDbn) 212.8 200.1 +24% 179.7 182.7 4.8 212.8 16.2 1.9 4.7 0.9 172.2 12.1 172.2 2Q 24 3Q 24 4Q 24 1Q
Slide 19: Capital and Liquidity
Capital and Liquidity Robust fundamentals across all key metrics reflecting strong capital and liquidity ratios comfortably above regulatory requirements Capitalization Ratios (%) Liquidity Ratios (%) 79.5% 81.0% 78.9% 80.3% 76.9% 17.2% 17.6% 16.2% 16.2% 16.6% 76.7% 78.1% 76.5% 75.2% 75.0% 16.0% 16.
Slide 20: Questions & Answers
Questions & Answers 1H 2025 Earnings Presentation
Slide 21: Appendix
Appendix 1H 2025 Earnings Presentation
Slide 22: Investment Highlights
Investment Highlights Strong Management, Solid Fundamentals and Clear Strategy Clear Strategy Experienced management Strengthen Islamic leadership position Deepening customer relationships 1 2 Best in class management team Extensive banking experience with Create productivity and efficienc
Slide 23: Consistent dividend distribution
Consistent dividend distribution ADIB consistently distribute dividends with average yield of above 5% Shareholder Return Metrics 22.98 * 12% 9.9% 10% 8.0% 8% 7.6% 7.0% 7.1% Share Price 6.2% 6.5% 6.0% 6% 5.1% 5.4% Dividend Yield 4.4% 4.5% 4.1% 4% 2% 2.49 0% 2012 2013 2014 2015 2016 2017 2018 2019 20
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 Middle East’s for consumers leader for Digital Solutions MSCI Rating Distribution A+ Stable Outlook #1 #1 UAE’s Financial Islamic
Slide 25: Contacts
Contacts 1H 2025 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 1H 2025 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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