35.08
RevenueAED M
135.8
142.5
149.2
155.9
163.2
167.2
174.9
180.2
190.4
203.7
38.52
4.53%
4.38%
81
9.77
Revenue growth%
17.07
18.85
17.24
14.67
14.14
13.12
15.36
15.00
14.78
17.26
29.29
15.00
15.18
39
22.90
NIM%
0.54
0.40
1.12
1.09
1.19
0.40
3.33
4.40
5.42
7.36
11.41
4.40
1.15
60
9.02
Effic. R.%
8.36
10.48
7.51
8.81
7.18
4.36
5.91
4.58
7.39
8.91
5.61
5.91
7.45
30
14.63
Net margin%
1.85
4.20
2.88
1.24
2.84
2.40
4.29
4.99
6.93
7.48
14.02
4.99
3.54
58
9.117
P/E ratio (avg)x
10.53
11.32
11.89
10.72
12.11
13.18
12.61
13.14
14.65
15.67
36.62
13.18
12.36
25
26.75
P/TBVx
66.05
63.57
62.88
69.02
67.82
74.01
81.94
82.52
92.18
97.66
24.58
82.52
71.51
55
30.97
P/Bx
22.17
22.22
20.74
17.98
16.49
14.59
15.01
15.23
13.29
13.81
34.08
14.59
15.86
14
15.12
NIIAED M
103.2
107.3
113.7
118.9
121.6
127.2
131.7
134.3
144.8
155.2
53.77
4.99%
4.51%
—
29.78
NII grth%
22.75
21.24
19.99
17.05
14.53
13.51
12.20
11.38
10.26
10.20
23.10
11.38
14.02
49
26.57
ROTE%
3.26
4.03
1.94
1.26
0.40
0.40
0.40
0.40
2.58
5.34
28.42
0.40
1.60
94
26.60
Return on equity%
6.85
7.18
8.81
8.87
7.26
5.57
3.67
1.89
4.37
5.44
19.29
4.37
6.21
9
14.18
Return on assets%
21.22
20.53
22.01
19.71
19.71
18.94
17.55
14.63
15.01
17.34
18.85
17.34
19.33
19
0.14
EPSAED
0.08
0.09
0.10
0.11
0.12
0.11
0.11
0.12
0.12
0.13
0.15
2.49%
5.55%
—
9.74
EPS growth%
16.85
18.31
20.24
21.17
22.36
23.69
21.80
22.12
20.41
19.89
12.65
21.80
20.79
80
0.15
Bookvalue per shAED
0.17
0.15
0.14
0.14
0.14
0.13
0.13
0.13
0.14
0.14
0.13
(1.22%)
(1.60%)
—
0.11
TBV/shAED
0.17
0.20
0.22
0.23
0.23
0.22
0.23
0.27
0.32
0.31
0.20
6.31%
7.11%
—
0.21
Dividend per shAED
0.05
0.05
0.06
0.05
0.06
0.05
0.05
0.04
0.04
0.03
0.11
(9.56%)
(3.80%)
—
7.15
Div yield (avg)%
21.10
24.04
24.75
24.69
24.15
22.50
24.63
22.53
22.94
23.59
20.60
22.94
23.81
26
28.82
Payout ratio%
11.75
14.25
13.57
11.93
13.27
13.03
12.31
9.74
9.02
8.50
12.03
9.74
12.12
85
533.6
Shares (diluted)M
773.2
742.0
778.9
805.2
849.2
889.1
868.5
983.2
943.0
963.8
561.8
2.56%
3.78%
16
29.68
Buyback yield%
23.24
25.33
24.60
22.89
21.45
19.74
18.31
18.69
18.91
17.08
3.15
18.69
20.60
52
166.26
Eq/Assets%
35.45
37.53
35.98
39.08
35.41
33.21
32.76
31.50
33.92
34.38
36.96
33.21
34.89
34
152.1
AssetsAED M
82.73
93.80
103.8
116.8
128.3
137.3
148.7
155.2
170.8
181.5
8.831
7.19%
9.05%
19
52.11
LT debtAED M
33.59
31.33
34.23
31.81
35.90
38.32
35.38
34.63
32.36
31.60
36.23
(2.52%)
(1.08%)
73
Total assets
AED 181.5M
9.05%
1.55×
Revenue
AED 203.7M
4.38%
1.00×
Non-interest expense
AED 103.6M
4.27%
0.99×
Net interest income
76.17%
Non-interest income
23.83%
Return on capital
123.09%