110.8
RevenueAED M
178.9
182.4
190.3
200.4
206.6
217.6
219.7
231.6
233.2
245.2
114.5
3.48%
3.43%
36
28.36
Revenue growth%
25.53
24.56
23.23
21.70
20.00
20.71
20.50
23.02
20.33
21.08
15.44
20.71
21.39
73
8.82
NIM%
23.38
20.85
21.90
21.67
20.36
18.60
18.69
16.82
14.00
16.29
21.65
16.82
19.53
92
8.49
Effic. R.%
28.03
28.60
29.67
32.34
34.22
35.36
34.35
34.94
37.32
37.14
3.30
35.36
34.28
56
6.78
Net margin%
25.75
26.14
23.17
22.44
23.25
23.80
26.79
28.23
25.79
23.86
13.69
25.79
24.80
49
17.71
P/E ratio (avg)x
17.40
16.36
18.14
19.74
18.68
16.26
17.78
17.19
15.51
14.80
10.31
16.26
17.30
18
32.65
P/TBVx
50.42
56.42
67.34
77.00
83.55
81.26
86.60
93.88
106.0
106.4
15.22
93.88
82.40
80
27.28
P/Bx
34.78
38.69
44.26
48.39
52.47
50.48
47.29
53.42
51.50
59.61
16.18
51.50
49.43
7
185.5
NIIAED M
114.8
116.9
122.4
127.9
130.6
137.6
139.3
146.1
147.4
157.5
219.0
3.82%
3.64%
—
25.53
NII grth%
4.94
4.52
2.49
0.57
0.40
3.27
5.34
3.05
3.67
4.99
25.92
3.67
3.47
15
19.74
ROTE%
15.49
17.57
19.38
18.58
20.33
17.97
15.39
15.40
16.72
15.79
13.31
15.79
17.14
83
10.02
Return on equity%
6.32
6.66
8.86
11.53
11.02
11.94
10.80
8.38
6.09
7.43
27.15
8.38
8.62
90
10.04
Return on assets%
4.64
5.21
2.49
0.82
2.90
4.21
3.06
5.85
4.23
2.63
8.80
4.21
3.63
40
0.07
EPSAED
0.13
0.13
0.12
0.13
0.15
0.13
0.15
0.14
0.15
0.14
0.08
(0.79%)
0.53%
—
18.90
EPS growth%
22.08
24.17
25.67
23.33
23.80
22.28
22.02
21.38
22.28
22.45
27.64
22.28
22.37
17
0.07
Bookvalue per shAED
0.02
0.02
0.02
0.03
0.02
0.02
0.02
0.02
0.02
0.02
0.09
(1.25%)
(1.05%)
—
0.04
TBV/shAED
0.05
0.05
0.06
0.06
0.06
0.06
0.07
0.06
0.07
0.08
0.03
6.01%
6.62%
—
0.09
Dividend per shAED
0.09
0.09
0.10
0.11
0.11
0.12
0.13
0.13
0.14
0.15
0.03
7.23%
7.41%
—
23.09
Div yield (avg)%
2.17
1.19
2.28
0.40
2.78
2.65
1.21
1.78
0.40
0.40
19.48
1.21
1.49
78
26.79
Payout ratio%
14.47
15.09
18.01
15.97
18.60
20.17
17.48
19.69
17.51
18.68
5.87
18.68
17.76
50
458.0
Shares (diluted)M
505.1
543.8
514.5
556.3
512.4
509.0
563.9
569.8
555.0
532.5
467.5
0.77%
(0.20%)
44
26.60
Buyback yield%
8.90
9.47
7.37
6.01
5.84
4.54
1.71
2.70
5.51
6.85
15.83
4.54
5.92
79
144.94
Eq/Assets%
239.06
241.23
246.40
282.40
308.37
295.98
325.83
366.41
373.19
427.92
78.99
366.41
302.18
10
151.0
AssetsAED M
137.1
146.9
160.3
175.0
186.0
194.3
216.7
242.8
259.7
286.4
155.3
9.02%
8.52%
43
130.1
LT debtAED M
157.8
141.8
149.3
143.9
144.3
155.0
158.0
134.4
128.4
134.2
223.9
(1.44%)
(1.02%)
66
Total assets
AED 286.4M
8.52%
1.62×
Revenue
AED 245.2M
3.43%
1.00×
Non-interest expense
AED 132.9M
3.12%
0.97×
Net interest income
64.24%
Non-interest income
35.76%
Return on capital
100.71%