Abu Dhabi Islamic Bank PJSC Balance Sheet Health
Financial Health criteria checks 4/6
Abu Dhabi Islamic Bank PJSC has total assets of AED287.1B and total equity of AED30.1B. Total deposits are AED239.3B, and total loans are AED193.8B.
Key information
9.5x
Asset to equity ratio
n/a
Net interest margin
| Total deposits | د.إ239.34b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.7% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | د.إ32.09b |
Recent financial health updates
No updates
Recent updates
Narrative Update • May 05
ADIB: Upcoming Shareholder Meetings Will Support A Stronger Forward Outlook
Analysts have trimmed their price target for Abu Dhabi Islamic Bank PJSC from AED 24.50 to AED 24.10, reflecting updated views on revenue growth, profitability, and future P/E assumptions. What's in the News Board meeting scheduled for Apr 29, 2026, at 08:00 Coordinated Universal Time to review and approve Q1 2026 financial statements and results as of Mar 31, 2026, and to consider general and other business matters (Key Developments).
Narrative Update • Apr 21
ADIB: Higher Fair Value And Dividend Outlook Will Support Strong Margins
Analysts have raised their price target for Abu Dhabi Islamic Bank PJSC from AED 25.02 to AED 26.47, reflecting updated assumptions around revenue growth, profit margins and future P/E levels. What's in the News Annual dividend of AED 0.9705 per share announced, with an ex-date on March 13, 2026, record date on March 16, 2026, and payment on April 03, 2026 (Key Developments) Special and extraordinary shareholders meeting scheduled for March 04, 2026, at 11:00 Arabian Standard Time in Abu Dhabi, United Arab Emirates (Key Developments) Board meeting set for March 30, 2026, at 07:00 Coordinated Universal Time to discuss general matters that do not affect the share price and other business matters (Key Developments) Additional board meeting planned for April 07, 2026, at 07:30 Coordinated Universal Time to discuss general matters that do not affect the share price (Key Developments) Valuation Changes Fair Value updated from AED 25.02 to AED 26.47, indicating a modest upward adjustment in the estimated share value.
Narrative Update • Apr 05
ADIB: Upcoming 2026 Dividend And Meetings Will Support Higher Fair Value
Analysts have made a small downward adjustment to their fair value estimate for Abu Dhabi Islamic Bank PJSC, trimming the price target from AED31.19 to AED31.14 as they fine tune assumptions around discount rates, revenue growth, profit margins and future P/E levels. What's in the News An annual dividend of AED 0.9705 per share has been announced, with an ex-date on March 13, 2026, a record date on March 16, 2026, and payment on April 03, 2026 (Key Developments).Narrative Update • Mar 22
ADIB: Future Dividend Stability Will Support Higher Fair Value Estimates
Analysts have raised their price target for Abu Dhabi Islamic Bank PJSC from AED 28.70 to AED 31.19, citing updated assumptions on fair value, discount rate, revenue growth, profit margin and future P/E. What's in the News Board meeting scheduled for January 21, 2026, at 08:00 Coordinated Universal Time to review and approve financial statements for the year ended December 31, 2025, consider a dividend proposal for 2025, plan the Annual General Assembly, and address other business matters (Key Developments).Narrative Update • Mar 08
ADIB: Dividend And Shareholder Meetings Will Shape Fairly Balanced Outlook
Analysts have raised their price target for Abu Dhabi Islamic Bank PJSC from AED 22.40 to AED 24.50, citing updated assumptions on the discount rate, revenue growth, profit margins, and future P/E expectations. What's in the News An annual dividend of AED 0.9705 per share has been announced.Narrative Update • Feb 22
ADIB: Dividend And Upcoming Meetings Will Signal Limited Upside Ahead
Analysts have made only a modest adjustment to their price target for Abu Dhabi Islamic Bank PJSC, keeping it broadly aligned with an implied fair value of AED22.40 as they factor in slightly updated assumptions around discount rate, revenue growth, profit margin and future P/E. What's in the News A board meeting is scheduled for January 21, 2026 at 08:00 Coordinated Universal Time to review and approve the financial statements for the year ended December 31, 2025, consider a dividend distribution proposal for 2025, set the Annual General Assembly date, venue and agenda, and address other business items (Key Developments).Analysis Article • Feb 10
Abu Dhabi Islamic Bank PJSC's (ADX:ADIB) Dividend Will Be Increased To AED0.9705
Abu Dhabi Islamic Bank PJSC ( ADX:ADIB ) will increase its dividend from last year's comparable payment on the 9th of...Narrative Update • Feb 08
ADIB: Future Dividends And Margin Resilience Are Expected To Support Fair Value
Analysts have raised their fair value estimate for Abu Dhabi Islamic Bank PJSC slightly to 28.7 from 28.5, reflecting updated assumptions around revenue growth, profit margin resilience and a modestly lower future P/E multiple. What's in the News Annual cash dividend of AED 0.9705 per share announced, with payment scheduled for April 9, 2026; ex date on March 13, 2026; and record date on March 16, 2026 (Key Developments) Board meeting set for January 21, 2026 at 08:00 UTC to review and approve financial statements for the year ended December 31, 2025; consider a dividend proposal for 2025; set the Annual General Assembly date, venue, and agenda; and address other business items (Key Developments) Board meeting scheduled for November 18, 2025 at 09:00 UTC to consider general corporate matters (Key Developments) Valuation Changes The fair value estimate has been adjusted slightly higher to AED 28.7 from AED 28.5. The discount rate has been reduced slightly to 20.17% from 20.32%.Narrative Update • Jan 24
ADIB: Board Actions And Dividend Plans Will Shape A Balanced Outlook
Analysts have maintained their fair value estimate for Abu Dhabi Islamic Bank PJSC at AED 22.40, reflecting slightly revised assumptions for the discount rate, revenue growth, profit margin and future P/E ratio to provide a more balanced view of the bank's earnings potential and risk profile. What's in the News Board meeting scheduled for November 18, 2025 at 09:00 UTC to consider general corporate matters.Narrative Update • Jan 09
ADIB: Future Profitability Assumptions And Board Agenda Will Shape Outlook
Analysts have lifted their fair value estimate for Abu Dhabi Islamic Bank PJSC from AED 16.51 to AED 22.40, citing updated assumptions for revenue growth, profit margins, and future P/E levels as key drivers of the higher target. What's in the News Board meeting scheduled for Oct 22, 2025 at 08:00 UTC to review and approve Abu Dhabi Islamic Bank PJSC's Q3 2025 financial statements and results as of Sep 30, 2025, and to consider other general matters that do not affect the share price (Key Developments).Narrative Update • Dec 21
ADIB: Higher Profit Margins Are Expected To Drive Share Price Upside
Analysts have nudged their price target on Abu Dhabi Islamic Bank PJSC higher to AED 28.50 from AED 27.80, reflecting expectations of stronger profit margins and a slightly lower required return that more than offset marginally softer revenue growth and valuation multiples. What's in the News Board meeting scheduled for October 22, 2025 at 08:00 UTC to review and approve Q3 2025 financial statements and results as of September 30, 2025, along with other matters that do not affect the share price (company filing) Board meeting planned for November 18, 2025 at 09:00 UTC to consider general corporate matters, indicating ongoing governance activity and strategic oversight (company filing) Valuation Changes The fair value estimate has risen slightly from AED 27.8 to AED 28.5, implying modest upside versus the prior assessment.Narrative Update • Dec 07
ADIB: Earnings Resilience Will Support Strong Margins Ahead Of Upcoming Board Reviews
Narrative Update Analysts have modestly revised their price target for Abu Dhabi Islamic Bank PJSC upward to approximately AED 25.02. This reflects largely unchanged assumptions around discount rate, revenue growth, profit margins, and future valuation multiples, while still signaling confidence in the bank's earnings resilience.Narrative Update • Nov 23
ADIB: Margins Will Remain Strong As Discount Rate Eases Ahead Of Q3 Review
Analysts have slightly raised their price target for Abu Dhabi Islamic Bank PJSC, increasing it from AED 24.99 to AED 25.02. They cited minor adjustments to their valuation assumptions as the reason for this change.Analysis Article • Nov 14
Is Now The Time To Put Abu Dhabi Islamic Bank PJSC (ADX:ADIB) On Your Watchlist?
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Narrative Update • Nov 06
ADIB: Profit Margins Set To Improve Ahead Of Q3 Board Review
Analysts have raised their price target for Abu Dhabi Islamic Bank PJSC from AED 23.71 to AED 24.99. They cite expectations of stronger revenue growth and improved profit margins supporting an increased fair value estimate.Narrative Update • Oct 23
Analysts Raise Price Target for Abu Dhabi Islamic Bank Amid Improved Profit Margins and Valuation Changes
Analysts have raised their price target for Abu Dhabi Islamic Bank PJSC from AED 22.98 to AED 23.71. They cite modest improvements in forecasted profit margins and valuation multiples, despite slightly lower revenue growth expectations.Narrative Update • Oct 09
Digital Transformation And Fintech Competition Will Shape Future Markets
Analysts have slightly lowered their price target for Abu Dhabi Islamic Bank PJSC from AED 23.38 to AED 22.98. They cite updated expectations around discount rates, improving profit margins, and an adjusted outlook for revenue growth and earnings multiples.Narrative Update • Aug 15
Digital Transformation And Fintech Competition Will Shape Future Markets
The upward revision in Abu Dhabi Islamic Bank PJSC's price target reflects higher forecast revenue growth and an increased future P/E multiple, resulting in a new consensus fair value of AED23.38. What's in the News Upcoming board meeting scheduled to address temporary suspension of trading on shares.
New Narrative • Nov 13
Vision 2035 And Tech Innovations Propel Bank Transformation And Unleash Profitable Growth
ADIB's Vision 2035 strategy focuses on leveraging technology and innovation to drive growth and profitability improvements.Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ADIB's Assets to Equity ratio (9.5x) is low.
Allowance for Bad Loans: ADIB has a low allowance for bad loans (81%).
Low Risk Liabilities: 93% of ADIB's liabilities are made up of primarily low risk sources of funding.
Loan Level: ADIB has an appropriate level of Loans to Assets ratio (68%).
Low Risk Deposits: ADIB's Loans to Deposits ratio (81%) is appropriate.
Level of Bad Loans: ADIB has a high level of bad loans (2.7%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/12 17:30 |
| End of Day Share Price | 2026/05/12 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2026/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
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Industry and Sector Metrics
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Analyst Sources
Abu Dhabi Islamic Bank PJSC is covered by 23 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Janany Vamadeva | Arqaam Capital Research Offshore S.A.L. |
| Jaap Meijer | Arqaam Capital Research Offshore S.A.L. |
| Monette Doss | Beltone Financial |