1.623
RevenueAED B
8.746
8.785
8.807
9.022
9.076
9.062
9.268
9.336
9.700
9.926
1.805
1.81%
1.22%
62
27.39
Revenue growth%
25.16
22.63
22.05
20.49
21.61
21.50
20.94
18.24
17.70
19.66
10.24
19.66
21.22
83
25.95
NIM%
34.33
31.55
33.04
35.00
34.02
32.55
34.83
35.49
38.18
35.27
24.92
35.27
34.58
78
8.37
Effic. R.%
10.18
10.54
11.35
12.85
9.85
7.40
6.37
6.44
4.48
3.74
22.42
6.37
8.63
49
22.90
Net margin%
24.76
23.44
26.25
28.32
27.50
27.27
26.50
28.04
25.88
26.03
21.55
26.50
26.37
34
31.11
P/E ratio (avg)x
36.10
39.12
46.60
48.42
53.61
63.59
73.67
76.74
86.08
90.69
22.56
76.74
58.60
49
9.996
P/TBVx
8.515
9.132
10.05
9.425
10.98
11.78
13.75
12.91
13.01
14.90
24.99
13.01
11.38
80
7.534
P/Bx
24.11
21.19
20.31
21.69
21.41
22.64
22.35
24.17
26.23
26.24
14.51
24.17
22.50
80
8.097
NIIAED B
5.579
5.464
5.542
5.646
5.642
5.653
5.789
5.848
6.178
6.192
1.369
1.88%
1.12%
—
2.61
NII grth%
12.66
14.54
13.69
11.32
11.53
12.50
11.30
9.61
7.25
10.19
28.56
10.19
11.42
66
12.14
ROTE%
18.23
17.73
20.44
22.96
22.38
25.24
26.29
27.23
28.11
26.99
6.07
26.99
24.10
66
3.26
Return on equity%
2.96
3.93
5.32
5.19
8.19
6.51
4.64
2.12
1.53
0.40
17.02
2.12
4.28
6
28.96
Return on assets%
0.40
3.06
5.81
6.30
4.33
6.17
6.07
5.65
5.96
5.22
21.21
5.96
5.73
56
29.80
EPSAED
19.17
19.61
17.43
18.47
16.97
18.29
19.52
18.73
16.67
15.35
32.79
(1.99%)
(2.99%)
—
26.77
EPS growth%
4.50
2.05
2.38
0.40
0.40
1.05
0.40
3.08
2.06
0.40
29.13
1.05
1.55
5
21.71
Bookvalue per shAED
31.84
35.03
40.56
40.15
41.79
49.70
59.19
64.41
70.09
71.06
12.57
11.20%
10.08%
—
11.78
TBV/shAED
20.29
20.55
19.97
20.09
21.78
23.05
21.36
21.88
21.55
22.77
40.22
0.89%
1.69%
—
10.54
Dividend per shAED
11.91
11.60
10.38
9.72
8.86
8.50
9.04
8.42
8.61
9.06
29.94
0.46%
(3.92%)
—
11.75
Div yield (avg)%
16.28
15.10
12.52
10.21
7.22
5.39
3.20
3.19
5.82
7.90
27.56
5.39
7.56
89
6.44
Payout ratio%
31.15
29.47
30.55
31.72
28.78
27.34
30.14
28.47
27.12
28.76
2.80
28.47
29.13
6
203.6
Shares (diluted)M
214.8
242.2
243.4
236.1
236.2
255.6
246.7
259.9
261.7
240.6
197.2
0.37%
0.85%
42
24.01
Buyback yield%
16.27
15.18
18.07
19.03
16.31
17.17
18.46
18.27
18.92
20.60
29.74
18.46
18.17
54
134.83
Eq/Assets%
123.95
114.37
128.81
140.59
155.64
169.89
182.62
181.97
175.79
191.83
159.70
181.97
162.76
52
7.746
AssetsAED B
26.86
28.92
31.59
33.42
37.89
40.24
44.79
47.78
51.17
57.24
6.610
8.60%
8.97%
31
3.112
LT debtAED B
11.25
12.16
13.73
14.60
16.79
19.24
19.62
19.00
21.92
22.60
2.298
6.12%
7.40%
39
Total assets
AED 57.24B
8.97%
2.09×
Revenue
AED 9.926B
1.22%
1.00×
Non-interest expense
AED 4.662B
0.87%
0.97×
Net interest income
62.39%
Non-interest income
37.61%