Abu Dhabi Islamic Bank (ADX:ADIB)

Q2 2026 Abu Dhabi Islamic Bank PJSC Earnings Call Transcript

Jul 30, 2026 / 11:00 AM GMT

Release Date Price: د.إ21.54 (+0.19%)

Transcript

Key Points

Positve

Record profit before tax of 4.3 billion, up 9% year-on-year, driven by strong financing growth and customer acquisition.
Customer financing increased by 25 billion year-to-date, with total assets surpassing 300 billion for the first time.
Non-performing asset ratio improved to a record low of 2.2%, with coverage ratios strengthening to 108%.
Return on equity remained robust at 28.2%, well above the 25% guidance target.
Non-funded income contributed 37% of total revenue, demonstrating strong business diversification.

Negative

Net profit margin guidance was revised down to 3.7-3.8% due to higher cost of funding from market-wide liquidity pressures.
Cost of funding remains elevated, with no signs of easing in Q3, impacting margin compression.
Loan-to-deposit ratio increased due to utilization of central bank reserve requirements, which are being gradually withdrawn.
Retail origination slowed in March and April due to the conflict, though it rebounded in June.
Additional provisions and overlays were taken in Q2 to address potential risks, offsetting a large recovery.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

ADIB.AD - Abu Dhabi Islamic Bank PJSC
Q2 2026 Abu Dhabi Islamic Bank PJSC Earnings Call
Jul 30, 2026 / 11:00AM GMT

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Presentation
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We will begin this call.

It is our pleasure and honor to the Abu Dhabi Islamic Bank to present second quarter financial results from the company we

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