Abu Dhabi Islamic Bank · ADX:ADIB
Abu Dhabi Islamic Bank — Q1 2026 Earnings Presentation
27 slides from Abu Dhabi Islamic Bank's earnings presentation, Apr 30, 2026
Slide 1: 1Q 2026 Financial Results
1Q 2026 Financial Results Earnings Presentation Analysts & Investors Conference Call ADIB IR Website Abu Dhabi, 30 April 2026 IR App Download link:
Slide 2: Contents
Contents 1Q 2026 Earnings Presentation Key Highlights Financial Performance Questions & Answers Appendix Contacts Disclaimer 2
Slide 3: Key Highlights
Key Highlights 1Q 2026 Earnings Presentation
Slide 4: Key highlights
Key highlights ADIB sustained strong momentum on the back of strong financing growth, solid top-line performance and resilient UAE economy Solid performance in Q1 with 8% YoY growth in net income before tax to reach AED 2.1bn, driven by 1Q’26 Net Income growth YoY a strong balance sheet growth, sust
Slide 5: Outlook and Guidance
Outlook and Guidance Full-year and medium-term guidance reiterated, reflecting disciplined execution and confidence in the UAE fundamentals Management Guidance 1Q 2026 Actual FY 2026 Guidance Gross financing growth Customer financing momentum in both retail and corporate was strong in 1Q 28% YoY 12%
Slide 6: Leveraging Our Unique Market Position to Deliver Strong Financial Performance
Leveraging Our Unique Market Position to Deliver Strong Financial Performance Unique Market Robust Capital & Sustained business Sound Asset Position Liquidity Position momentum Quality ❖ 2.3 million ❖ 12% CET1 15.5% CAR ❖ AED 2.1bn NPBT ❖ 2.6% NPA Ratio Customers across the franchise Above regulator
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 1Q 2026 Earnings Presentation
Slide 9: Key financial metrics – 1Q 2026
Key financial metrics – 1Q 2026 ADIB Continued strong performance, supported by robust underlying business activity 1Q 2025 1Q 2026 Change 4Q 2025 Change Actual Actual Δ% YoY Actual Δ% QoQ Profitability (AED mn) Funded Income 1,752 2,041 +17% 2,023 +1% Non- funded Income 1,120 1,162 +4% 1,133 +3% Re
Slide 10: Income Statement
Income Statement Highest quarterly performance in our history Net Income (AEDmn) Net Income before Tax Movement YoY (AEDmn) 2,095 2,049 2,096 2,021 1,936 +8% 290 42 2,096 1,936 1,780 1,825 1,825 1,710 1,754 -119 -53 Net income Funded income Non-funded income Expenses Impairments Net income 1Q 25 2Q
Slide 11: Funded Income
Funded Income 17% increase in funded income despite rate cuts, supported by resilient margins, higher business volumes and an optimized cost of funds Net Profit Margin (%) Net Profit Margin Movement YoY (%) 7.29% 7.24% 7.17% 6.83% 7.37% -40bps 4.31% 0.05% 3.91% 4.27% 4.17% 4.11% 3.91% 4.31% -0.14% -
Slide 12: Non-Funded Income
Non-Funded Income Non-funded income contributes to 36% of total income, reflecting our strategic focus on revenue diversification Non-Funded Income (AEDmn) Non-Funded Income Movement YoY (AEDmn) +4% +4% 1,206 1,292 41 2 28 1,162 1,120 1,133 1,162 1,120 -28 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 Non-funded Fe
Slide 13: Operating Expenses
Operating Expenses Continuing Disciplined Investment in Growth Initiatives Expenses Movement YoY (AEDmn) +14% 77 40 3 949 830 Expenses Employee costs General & Depr'n & Amort'n Expenses 1Q 25 admin costs 1Q 26 +16% +16% +3% penses o posi on % Cost To Income Ratio (%) A or sa on of intangi les Deprec
Slide 14: Provisions
Provisions Prudent provisioning with cost of risk at 48bps well within guidance Provisions Movement YoY (AEDmn) +50% 49 6 158 17 106 -20 Provisions Retail Wholesale Associates and subs Others Provisions 1Q 25 1Q 26 +15% +495% +17% -38% Cost Of Risk (%) I pair ents o posi on % Associates and su s 0.6
Slide 15: Non-Performing Financing
Non-Performing Financing Asset quality continues to improve significantly with NPA ratio of 2.6% lowest ever while coverage ratio increased to 99% Pro isions and NPAs A D n NPA Movement YoY (AEDmn) 1 1 -9% 2 2 5,753 21 1 5,238 66 -81 -434 2 2 2 2 2 26 NPA Individual Non-individual NPA Pro isions i p
Slide 16: Balance Sheet
Balance Sheet AED 44bn YoY Asset growth fueled by 29% growth in customer financing supported by strong and diversified funding position Total Assets (AEDbn) Total Assets Movement YoY (AEDbn) 287.1 +18% 280.8 269.7 3.5 0.1 287.1 43.7 260.4 243.5 243.5 -1.8 -1.9 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 Total ass
Slide 17: Customer Financing
Customer Financing Demand remained resilient with AED 12bn YTD increase in financing across diverse sectors Customer Financing, Net (AEDbn) usto er inancing, Customer Financing, Gross Movement YoY (AEDbn) 193.8 ross y eg ent % +28% 181.4 Pri ate 16.6 3.3 3.7 0.1 198.0 ther 154.5 19.9 170.8 2. % .2%
Slide 18: Investments
Investments Investment Portfolio grew 11% vs 1Q 25 with 84% accounted for at amortized cost Investments (AEDbn) Investments Movement YoY (AEDbn) +11% 35.6 34.7 34.8 2.8 0.3 0.4 35.6 32.2 32.2 31.6 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 Investments Investments carried Investments carried Investments carried I
Slide 19: Customer Deposits
Customer Deposits Substantial increase in customer deposits of AED 10bn YTD and AED 15.3bn YoY of CASA deposits contributing to a healthy funding mix Total Deposits (AEDbn) Total Deposits Movement YoY (AEDbn) 239.3 229.1 +20% 221.7 212.8 20.1 4.3 0.8 0.8 5.8 239.3 200.1 7.5 200.1 1Q 25 2Q 25 3Q 25 4
Slide 20: 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 (%) 84.1% 87.6% 78.9% 80.3% 81.6% 16.2% 16.6% 16.7% 15.7% 15.5% 77.1% 79.2% 81.0% 75.0% 76.5% 15.4% 15.
Slide 21: Questions & Answers
Questions & Answers 1Q 2026 Earnings Presentation
Slide 22: Appendix
Appendix 1Q 2026 Earnings Presentation
Slide 23: 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 iddle ast’s for consumers leader for Digital Solutions MSCI Rating Distribution A+ Stable Outlook #1 #1 A ’s inancial Islamic Fin
Slide 24: Contacts
Contacts 1Q 2026 Earnings Presentation
Slide 25: 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 26: Disclaimer
Disclaimer 1Q 2026 Earnings Presentation
Slide 27: 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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