439.8
RevenueAED M
569.1
594.9
626.0
657.0
698.4
719.2
760.4
786.1
816.6
840.0
451.2
3.76%
4.34%
44
18.53
Revenue growth%
11.30
11.07
11.61
12.45
14.38
13.70
13.85
12.40
11.57
11.95
18.90
12.40
12.18
81
7.06
NIM%
18.28
20.31
18.21
18.20
16.15
16.84
16.17
16.80
15.87
13.22
15.71
16.17
16.82
88
28.44
Effic. R.%
13.00
15.33
15.36
17.70
16.66
14.94
12.70
9.87
11.69
12.20
8.20
12.20
13.97
69
23.81
Net margin%
33.96
34.53
37.25
35.15
34.78
35.99
33.75
35.51
36.15
35.19
5.51
35.51
35.17
69
33.04
P/E ratio (avg)x
11.11
9.971
9.257
9.838
9.215
9.854
8.559
8.973
7.776
7.520
12.78
8.559
9.236
82
33.44
P/TBVx
46.75
46.79
53.44
57.98
70.37
82.61
83.42
94.74
99.47
111.7
16.51
94.74
76.49
8
35.77
P/Bx
42.77
49.77
55.31
59.00
63.39
71.07
84.30
90.06
102.0
108.0
24.99
90.06
67.23
72
473.8
NIIAED M
395.4
409.7
440.1
453.4
487.3
497.8
524.6
538.9
562.2
592.2
204.6
3.98%
4.49%
—
28.17
NII grth%
24.80
26.20
28.95
30.93
31.05
32.36
34.88
34.89
36.97
35.00
11.48
34.89
31.71
41
28.98
ROTE%
25.44
25.06
22.45
25.34
26.31
24.86
24.67
22.76
22.61
19.82
18.57
22.76
24.77
92
23.24
Return on equity%
7.20
8.78
7.17
9.67
10.00
12.61
13.63
15.86
14.07
16.55
14.36
14.07
11.31
79
7.06
Return on assets%
13.07
10.98
13.15
15.79
13.65
12.79
15.71
12.94
13.52
11.99
25.02
12.94
13.11
9
0.08
EPSAED
0.17
0.17
0.17
0.16
0.15
0.15
0.14
0.13
0.14
0.15
0.09
(1.23%)
(2.09%)
—
28.81
EPS growth%
16.31
18.62
19.94
20.53
18.74
20.84
23.08
23.29
23.56
22.84
28.09
23.08
20.68
21
0.22
Bookvalue per shAED
0.14
0.16
0.17
0.18
0.18
0.20
0.20
0.20
0.22
0.24
0.04
5.90%
5.08%
—
0.08
TBV/shAED
0.12
0.14
0.13
0.15
0.16
0.15
0.15
0.16
0.17
0.18
0.21
2.56%
3.05%
—
0.10
Dividend per shAED
0.29
0.29
0.27
0.29
0.32
0.36
0.39
0.38
0.40
0.42
0.06
5.99%
4.45%
—
11.08
Div yield (avg)%
18.91
17.44
20.34
19.21
20.18
21.82
23.10
25.30
24.12
25.31
5.75
24.12
21.08
30
6.93
Payout ratio%
22.17
20.25
17.72
18.68
15.76
14.52
15.76
17.41
16.90
19.58
13.13
16.90
17.57
81
2.718
Shares (diluted)B
3.677
4.198
3.998
3.973
4.310
4.404
4.880
5.656
5.586
5.436
2.663
4.75%
5.46%
47
22.70
Buyback yield%
6.70
5.05
6.41
5.18
4.89
7.71
9.17
9.02
6.99
6.08
16.56
7.71
6.55
25
176.47
Eq/Assets%
101.59
95.60
95.61
87.15
79.16
81.79
73.00
70.14
62.54
54.69
81.35
70.14
80.47
82
0.838
AssetsAED B
1.263
1.348
1.461
1.593
1.708
1.896
1.981
2.197
2.346
2.631
0.163
9.02%
8.74%
81
684.3
LT debtAED M
469.8
508.0
550.4
570.0
570.3
567.1
626.9
613.7
630.6
666.1
242.6
3.15%
4.65%
74
Total assets
AED 2.631B
8.74%
1.51×
Revenue
AED 840.0M
4.34%
1.00×
Non-interest expense
AED 488.8M
4.29%
1.00×
Net interest income
70.50%
Non-interest income
29.50%
Spread over hurdle
28.55%