Emirates Islamic Financial Highlights
View key performance indicators
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | ||
|---|---|---|---|---|---|---|---|---|---|
| Financials | Total Income (AED Millions) |
2,495 | 2,392 | 2,463 | 2,670 | 2,088 | 2,398 | 3,182 | 4,766 |
| Net profit (AED Millions) |
106 | 702 | 924 | 1,061 | (482) | 823 | 1,240 | 2,121 | |
| Total assets (AED Billions) |
59.2 | 61.9 | 58.4 | 64.8 | 70.6 | 64.9 | 74.8 | 87.8 | |
| Financing - net (AED Billions) |
36.3 | 33.8 | 36.2 | 37.5 | 40.8 | 42.6 | 48.4 | 53.7 | |
| Deposits (AED Billions) |
41.1 | 41.8 | 41.6 | 45.3 | 46.9 | 47.3 | 56.3 | 61.3 | |
| Profitability | Net profit margin | 3.1% | 2.8% | 3.0% | 3.2% | 2.7% | 2.6% | 3.4% | 4.7% |
| Cost-to-income ratio | 43.7% | 42.2% | 46.8% | 42.2% | 51.9% | 49.7% | 48.4% | 37.2% | |
| Credit Quality | NPL ratio | 9.1% | 10.3% | 8.2% | 7.6% | 9.0% | 8.2% | 7.0% | 6.3% |
| Coverage ratio | 96.9% | 92.2% | 120.5% | 119.8% | 106.9% | 115% | 128% | 132% | |
| Capital & Liquidity | Capital adequacy ratio | 16.1% | 17.4% | 18.2% | 20.7% | 19.2% | 19.7% | 19.0% | 20.0% |
| Tier 1 ratio | 14.9% | 16.2% | 17.1% | 19.5% | 18.0% | 18.6% | 17.9% | 18.9% | |
| AD ratio (Headline) |
88.3% | 80.9% | 86.9% | 82.7% | 87.1% | 90.2% | 85.8% | 87.7% | |
| AD ratio (Regulatory) |
86.0% | 75.5% | 79.6% | 78.2% | 79.1% | 85.5% | 79.8% | 81.8% | |