3.536
RevenueAED B
3.437
3.758
4.172
4.441
4.935
5.441
5.793
6.412
6.988
7.423
3.710
8.51%
9.04%
95
16.49
Revenue growth%
29.12
29.52
27.01
25.55
24.47
26.51
28.41
29.95
29.73
29.49
10.02
29.49
28.77
9
29.87
NIM%
10.13
13.10
14.06
12.20
12.23
15.16
16.63
18.32
16.46
15.39
29.74
16.46
14.61
13
2.65
Effic. R.%
23.39
23.18
20.21
18.25
18.65
20.54
20.48
23.26
21.34
23.16
8.59
21.34
20.94
88
5.52
Net margin%
25.49
25.44
24.97
23.11
24.13
24.28
24.53
22.09
22.72
22.48
12.17
22.72
24.20
69
25.75
P/E ratio (avg)x
34.47
37.38
42.05
46.15
53.22
54.86
52.99
58.73
63.24
64.28
25.12
58.73
53.11
37
22.62
P/TBVx
9.120
9.455
9.556
9.522
10.97
13.24
15.20
17.52
17.95
19.71
24.18
17.52
12.10
76
7.345
P/Bx
24.44
21.08
21.98
19.44
17.43
16.44
14.76
14.44
13.05
12.64
10.17
14.44
16.93
72
7.650
NIIAED B
2.155
2.353
2.595
2.742
3.043
3.332
3.542
3.971
4.338
4.660
6.575
8.90%
9.34%
—
24.98
NII grth%
8.44
7.92
7.84
8.88
6.69
9.39
7.59
5.82
8.36
8.41
3.76
8.36
8.14
50
4.27
ROTE%
30.83
31.10
28.82
28.01
27.28
30.23
30.89
30.58
29.74
30.08
4.73
30.23
30.16
44
23.68
Return on equity%
27.74
25.68
28.20
30.57
28.71
31.44
28.58
27.91
30.36
29.62
11.52
29.62
28.65
57
17.32
Return on assets%
24.95
23.76
23.56
25.02
25.48
23.93
26.80
25.33
23.91
20.96
27.29
23.93
24.44
36
0.87
EPSAED
0.82
0.74
0.71
0.70
0.76
0.73
0.72
0.66
0.56
0.55
0.93
(6.27%)
(4.85%)
—
7.76
EPS growth%
17.19
16.42
16.71
17.35
14.94
15.46
13.67
14.31
14.61
17.22
19.62
14.61
15.94
42
1.21
Bookvalue per shAED
0.67
0.65
0.75
0.81
0.79
0.85
0.97
0.93
1.07
1.25
0.73
9.62%
5.54%
—
0.94
TBV/shAED
2.31
2.28
2.41
2.81
2.80
2.88
3.28
3.17
3.34
3.54
0.88
4.85%
5.20%
—
0.42
Dividend per shAED
0.48
0.41
0.40
0.35
0.31
0.32
0.30
0.27
0.29
0.29
1.42
(1.53%)
(5.53%)
—
19.18
Div yield (avg)%
19.31
19.57
18.85
20.80
22.73
21.03
18.51
20.71
19.31
16.43
9.50
19.31
19.44
9
6.05
Payout ratio%
14.08
12.63
13.15
11.24
10.56
13.38
14.16
15.86
17.47
18.95
5.06
15.86
13.73
35
2.983
Shares (diluted)B
2.651
2.405
2.091
1.990
2.008
2.174
2.097
2.012
2.194
2.027
2.900
0.18%
(2.68%)
29
14.01
Buyback yield%
11.38
8.56
9.17
7.19
7.83
7.74
5.54
6.48
6.56
8.45
14.97
6.56
7.79
91
27.65
Eq/Assets%
132.53
124.79
136.38
134.05
124.03
119.71
114.58
117.89
124.20
122.30
88.72
119.71
124.12
37
6.184
AssetsAED B
2.262
2.434
2.631
2.882
3.026
3.365
3.468
3.770
4.160
4.730
0.613
9.34%
8.73%
42
7.147
LT debtAED B
5.414
5.126
5.635
5.784
6.205
6.587
6.458
7.200
7.612
7.496
3.901
3.85%
3.43%
9
Total assets
AED 4.730B
8.73%
0.97×
Revenue
AED 7.423B
9.04%
1.00×
Non-interest expense
AED 4.070B
9.11%
1.01×
Net interest income
62.78%
Non-interest income
37.22%
Return on capital
131.30%