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Abu Dhabi Islamic Bank

ADX:ADIBFinanceADX:FADGIADX:FADSI

AED 22.90−0.52%At closeAt close · Mon 19 Oct · Market cap $22.49B · Next earnings Wed 28 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	YoY
Operating margin	26.2%	32.8%	36.1%	41.0%	41.2%	41.1%	−0.2 pts
Net margin	20.8%	33.2%	43.1%	34.9%	33.1%	32.8%	−0.3 pts
Return on equity	9.2%	13.1%	18.7%	22.9%	24.0%	24.3%	+0.3 pts
Return on assets	1.0%	1.5%	2.0%	2.4%	2.4%	2.3%	−0.1 pts
Return on capital employed	1.8%	2.1%	2.3%	6.5%	16.4%	19.2%	+2.9 pts
Debt / equity	0.6×	0.6×	0.5×	0.5×	0.6×	0.7×	+10.1%
Debt / assets	7.3%	6.7%	4.9%	5.3%	6.2%	6.4%	+0.1 pts
Interest coverage	172.6×	195.0×	3,669.7×	731.5×	1,061.4×	1,350.2×	+27.2%
Current ratio	0.6×	0.7×	0.6×	0.4×	0.2×	0.2×	−6.1%
Quick ratio	0.6×	0.7×	0.6×	0.4×	0.2×	0.2×	−6.1%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	−5.0%
Dividend payout	75.9%	36.2%	34.1%	40.1%	47.9%	47.8%	−0.1 pts