External broker reports(aggregated public sources), International Securities

International Securities

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External broker reports(aggregated public sources)

Equity Bottom-Up

Abu Dhabi Islamic Bank PJSC / Equity Bottom-Up

<ul><li>Shareholders profit down 2.1% YoY to AED1.39bn (-9.7% QoQ; +6.3% vs estimates)</li><li>Net interest income up 2.9% YoY to AED1.66bn (+5.2% QoQ; +8% vs estimate)</li><li>Non-interest income flat YoY to AED974mn (-8.5% QoQ, -5.4% vs estimates)</li><li>Net operating income up 5.4% YoY to AED1.8bn (-1.8% QoQ; +2.8% vs estimates)</li></ul><p><em>Content is external broker report sourced from online content aggregator through publicly available sources and is displayed below for general informational purposes only. Refer full disclaimer below.</em></p>

Shareholders profit down 2.1% YoY to AED1.39bn (-9.7% QoQ; +6.3% vs estimates)Net interest income up 2.9% YoY to AED1.66bn (+5.2% QoQ; +8% vs estimate)Non-interest income flat YoY to AED974mn (-8.5% QoQ, -5.4% vs estimates)Net operating income up 5.4% YoY to AED1.8bn (-1.8% QoQ; +2.8% vs estimates)Content is external broker report sourced from online content aggregator through publicly available sources and is displayed below for general informational purposes only. Refer full disclaimer below.

Adib -4Q24 Earnings Down 2.1% YoY (-9.7% QoQ), Beat Our Estimates on Lower-Than-Expected Tax Charge