Abu Dhabi Islamic Bank · ADX:ADIB
Abu Dhabi Islamic Bank — H1 2026 Earnings Presentation
28 slides from Abu Dhabi Islamic Bank's earnings presentation, Jul 30, 2026
Slide 1: 1H 2026 Financial Results
1H 2026 Financial Results Earnings Presentation Analysts & Investors Conference Call ADIB IR Website Abu Dhabi, 30 July 2026 IR App Download link:
Slide 2: Contents
Contents 1H 2026 Earnings Presentation Key Highlights Financial Performance Questions & Answers Appendix Contacts Disclaimer 2
Slide 3: Key Highlights
Key Highlights 1H 2026 Earnings Presentation
Slide 4: Key highlights
Key highlights ADIB sustained growth momentum with record earnings in 1H 2026, underpinned by robust financing growth and a resilient UAE economy 9% YoY growth in net profit before tax to AED 4.3bn, driven by sustained business momentum, strong 1H’26 Net Income growth YoY balance sheet expansion and
Slide 5: Outlook and Guidance
Outlook and Guidance Strong execution, resilient fundamentals and confidence in the UAE growth outlook support the upgraded FY 2026 outlook Management Guidance 1H 2026 Actual FY 2026 Guidance Gross financing growth Customer financing momentum in both retail and corporate was strong in 1H 2026 26% Yo
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 2.7 million 12.2% CET1 15.6% CAR AED 4.3bn NPBT 2.2% NPA Ratio Customers across the franchise Above regulat
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 1H 2026 Earnings Presentation
Slide 9: Key financial metrics – 1H 2026
Key financial metrics – 1H 2026 Record profitability in 1H 2026, driven by strong underlying business momentum and balance sheet growth 1H 2025 1H 2026 1H 2026 vs 1H 2025 Amount % Profitability (AED mn) Funded Income 3,608 4,095 488 14% Non- funded Income 2,326 2,396 70 3% Revenue 5,934 6,491 557 9%
Slide 10: Key financial metrics – 2Q 2026
Key financial metrics – 2Q 2026 Sustained growth momentum in Q2, with profit before tax increasing 6% QoQ, supported by strong customer activity & transaction volumes across business 2Q 2025 2Q 2026 % YoY 1Q 2026 % QoQ Profitability (AED mn) Funded Income 1,856 2,054 11% 2,041 1% Non- funded Income
Slide 11: Income Statement
Income Statement Record profitability driven by strong core business growth, accelerating momentum and improving asset quality Net Income (AEDmn) Net Income before Tax Movement YoY (AEDmn) 2,214 +9% 2,095 2,049 2,096 2,021 488 70 4 4,310 3,957 1,930 -209 1,780 1,825 1,825 1,754 Net income Funded inc
Slide 12: Funded Income
Funded Income Strong customer financing expansion drove 14% YoY growth in funded income, supporting continued revenue growth and profitability Net Profit Margin (%) Net Profit Margin Movement YoY (%) 7.24% 7.17% 6.83% 6.73% 7.29% -49bps 4.27% 3.78% 4.17% 4.11% 3.91% 3.78% 4.27% -0.17% -0.05% -0.06%
Slide 13: Non-Funded Income
Non-Funded Income Stronger customer activity in Q2 supported 6% QoQ growth in non-funded income, which contributed 37% of total revenues in 1H 2026 Non-Funded Income (AEDmn) Non-Funded Income Movement YoY (AEDmn) +2% +3% 1,206 1,292 1,234 2,326 77 4 31 2,396 1,133 1,162 5 77 9 209 194 10 30 211 196
Slide 14: Operating Expenses
Operating Expenses Improved cost efficiency in Q2, with expenses declining 2% QoQ and cost-to-income ratio improving to 29% in 1H 2026 Expenses Movement YoY (AEDmn) Expenses Composi�on (%) Amor�sa�on of intangibles +12% Deprecia�on 0.2% 9.8% 5mn 123 77 9 1,880 185mn 1,672 General & administra�ve cos
Slide 15: Provisions
Provisions Asset quality continued to improve, reflecting disciplined underwriting standards and prudent risk management Provisions Movement YoY (AEDmn) -1% 305 22 100 301 10 -136 Provisions Retail Wholesale Associates and subs Others Provisions 1H 25 1H 26 +10% -137% +15% +129% Cost Of Risk (%) Imp
Slide 16: Non-Performing Financing
Non-Performing Financing Asset quality continued to strengthen with the NPA ratio reaching a record low 2.2% and coverage increasing to 108% Provisions & Impairment Reserves (AEDmn) NPA Movement YoY (AEDmn) -1% -22% 4,921 5,093 4,839 5,177 4,882 5,771 455 661 626 969 996 4,517 2,877 2,914 -506 2,640
Slide 17: Balance Sheet
Balance Sheet AED 44bn YoY Asset growth fueled by 27% growth in customer financing supported by strong and diversified funding position Total Assets (AEDbn) Total Assets Movement YoY (AEDbn) 303.9 +17% 287.1 280.8 43.4 0.1 0.2 303.9 269.7 260.4 0.7 260.4 -0.8 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Total asse
Slide 18: Customer Financing
Customer Financing Demand remained resilient with AED 25bn YTD increase in financing across diverse sectors Customer Financing, Net (AEDbn) Customer Financing, Customer Financing, Gross (AEDbn) +26% 206.2 Gross by Segment (%) +13% 210.1 Other Associates & Subs. 198.0 193.8 175.2 185.6 1.1% 7.1% 167.
Slide 19: Investments
Investments Investment Portfolio grew 10.2% vs 4Q 25 with 85% accounted for at amortized cost Investments (AEDbn) Investments Movement YoY (AEDbn) 35.6 +0.4% 34.7 34.8 34.9 34.7 0.4 0.3 34.9 -0.6 31.6 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Investments Investments carried Investments carried Investments carri
Slide 20: Customer Deposits
Customer Deposits Substantial increase in customer deposits of AED 17bn YTD and AED 10bn YoY of CASA deposits contributing to a healthy funding mix Total Deposits (AEDbn) Total Deposits Movement YoY (AEDbn) 245.7 239.3 +15% 229.1 221.7 20.7 1.2 7.5 245.7 212.8 3.8 212.8 -0.3 -0.1 2Q 25 3Q 25 4Q 25 1
Slide 21: 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 (%) 87.6% 90.0% 80.3% 81.6% 84.1% 16.6% 16.7% 15.7% 81.0% 83.9% 15.5% 15.6% 76.5% 77.1% 79.2% 15.4% 15.
Slide 22: Questions & Answers
Questions & Answers 1H 2026 Earnings Presentation
Slide 23: Appendix
Appendix 1H 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 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 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 1H 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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