28.87
RevenueAED M
68.52
73.38
79.88
87.08
91.59
98.90
103.9
112.5
121.9
133.6
30.43
7.84%
7.55%
5
5.06
Revenue growth%
21.99
22.83
22.84
21.59
21.86
23.34
22.16
21.49
19.23
18.93
4.93
21.49
21.93
94
21.52
NIM%
24.28
22.02
19.83
20.11
19.70
21.39
22.68
22.20
21.31
19.62
26.22
21.39
21.35
63
24.97
Effic. R.%
24.10
23.54
21.32
22.89
25.55
23.04
23.40
22.14
20.80
19.45
12.88
22.14
22.97
48
19.70
Net margin%
24.14
26.10
28.27
28.23
27.83
28.52
25.98
23.40
23.92
24.41
10.47
24.41
26.04
91
16.69
P/E ratio (avg)x
20.53
21.68
20.90
20.88
23.14
22.32
22.93
25.12
26.00
26.72
24.38
25.12
22.62
65
12.77
P/TBVx
8.163
8.182
8.698
9.593
10.78
11.27
12.86
14.17
14.09
16.41
17.68
14.09
11.03
95
23.37
P/Bx
21.62
19.74
18.13
17.46
15.97
17.68
20.18
20.41
18.76
18.40
10.27
18.76
18.58
81
18.34
NIIAED M
46.53
50.17
53.68
59.26
63.12
67.02
69.70
76.31
81.94
91.95
75.58
7.81%
7.57%
—
10.38
NII grth%
14.17
12.41
12.91
13.16
14.24
13.77
14.71
17.45
18.59
19.36
27.61
17.45
14.20
59
9.64
ROTE%
7.89
6.55
8.04
8.59
8.20
9.72
10.72
11.34
13.21
14.32
21.09
11.34
9.16
11
14.83
Return on equity%
31.19
29.36
32.30
31.56
31.41
29.73
30.00
29.98
32.30
29.98
16.00
29.98
30.59
47
12.38
Return on assets%
17.05
17.56
19.69
18.20
19.91
20.68
18.75
16.57
14.79
12.02
2.76
16.57
17.88
15
1.80
EPSAED
8.02
9.39
10.23
10.18
10.78
12.65
14.76
14.60
15.65
17.29
1.87
9.92%
9.65%
—
19.39
EPS growth%
27.95
27.71
27.05
27.64
28.40
28.42
28.10
28.61
25.74
25.37
27.42
28.10
27.83
23
4.38
Bookvalue per shAED
5.73
5.26
5.27
5.50
5.05
5.26
5.36
5.59
4.97
5.56
6.31
1.95%
0.54%
—
1.24
TBV/shAED
1.50
1.63
1.75
1.91
1.83
1.89
1.93
1.92
1.80
1.72
4.68
(1.19%)
2.35%
—
4.66
Dividend per shAED
1.75
1.91
1.88
2.05
2.03
2.35
2.68
2.73
3.13
3.14
2.43
9.19%
5.73%
—
29.23
Div yield (avg)%
3.00
3.94
5.17
2.77
3.37
1.67
1.58
1.71
3.41
4.98
8.89
1.71
3.19
32
6.58
Payout ratio%
4.31
4.92
2.86
0.88
0.40
1.40
0.40
0.54
0.40
0.40
13.56
0.40
0.71
16
10.07
Shares (diluted)M
10.62
10.44
10.23
9.778
10.33
8.762
9.218
7.808
6.962
7.058
9.962
(7.33%)
(3.84%)
11
28.59
Buyback yield%
15.96
13.21
12.60
12.77
13.19
13.17
12.54
13.18
11.05
13.71
5.05
13.17
13.17
57
127.96
Eq/Assets%
136.14
151.76
146.23
157.82
157.35
177.27
208.06
238.12
278.42
290.62
147.71
238.12
167.55
30
0.028
AssetsAED B
0.552
0.617
0.670
0.720
0.787
0.825
0.931
1.007
1.067
1.169
—
8.22%
8.71%
40
136.3
LT debtAED M
163.7
160.9
158.4
187.2
210.9
207.0
225.9
216.6
206.6
218.0
79.20
0.67%
3.06%
60
Total assets
AED 1.169B
8.71%
1.11×
Revenue
AED 133.6M
7.55%
1.00×
Non-interest expense
AED 75.69M
7.64%
1.01×
Net interest income
68.84%
Non-interest income
31.16%