Signal · Geopolitical Risk

‎ADIB Q3 2026 earnings forecasts

Argaam - UAE News Trade press Published 20th October 2026 UAE

What the source reported

Source-reported

‎<img src="https://argaamplus.s3.amazonaws.com/09afa9eb-66c0-4da9-b108-d6796f567dbd.png" >Logo of Abu Dhabi Islamic Bank PJSC (ADIB) <hr> Argaam previews<a href="https://www.argaam.com/ae-en/companies/adx/abu-dhabi-islamic-bank/overview" target="_blank">Abu Dhabi Islamic Bank's (ADIB)</a>Q3 2026 results, expected in the coming days. The table below tracks the bank’s quarterly net profit since Q2 2025. In Q2 2026, net profit rose year-on-year, supported by higher operating income and lower impairment provisions. <table align="center" border="1" cellpadding="0" cellspacing="0" dir="ltr" width="100%"> <tbody> <tr > <td colspan="6" > Profitability indicators – AED mln </td> </tr> <tr > <td > Item </td> <td > Q2 2025 </td> <td > Q3 2025 </td> <td > Q4 2025 </td> <td > Q1 2026 </td> <td > Q2 2026 </td> </tr> <tr > <td > Profit before provisions and non-recurring items </td> <td > 1,875.9 </td> <td > 1,930.5 </td> <td > 1,823.6 </td> <td > 1,872.1 </td> <td > 1,956.2 </td> </tr> <tr > <td > EPS before provisions and non-recurring items (AED/shr) </td> <td > 0.52 </td> <td > 0.53 </td> <td > 0.50 </td> <td > 0.52 </td> <td > 0.54 </td> </tr> <tr > <td > Loan and investment provisions </td> <td > (199.5) </td> <td > (206.1) </td> <td > (166.7) </td> <td > (158.4) </td> <td > (142.5) </td> </tr> <tr > <td > Net profit </td> <td > 1,676.4 </td> <td > 1,724.5 </td> <td > 1,656.8 </td> <td > 1,713.7 </td> <td > 1,813.7 </td> </tr> <tr > <td > Exceptional items </td> <td > 0.0 </td> <td > 0.0 </td> <td > 0.0 </td> <td > 0.0 </td> <td > 0.0 </td> </tr> <tr > <td > Net income before one-offs </td> <td > 1676.4 </td> <td > 1724.5 </td> <td > 1656.8 </td> <td > 1713.7 </td> <td > 1813.7 </td> </tr> <tr > <td > EPS excluding one-offs(AED/shr) </td> <td > 0.46 </td> <td > 0.47 </td> <td > 0.46 </td> <td > 0.47 </td> <td > 0.50 </td> </tr> <tr > <td > Basic and diluted EPS excluding one-offs(AED/share) </td> <td > 0.44 </td> <td > 0.45 </td> <td > 0.44 </td> <td > 0.44 </td> <td > 0.48 </td> </tr> </tbody> </table> <div > Key events in Q3 2026:</div> ADIB extended Sharia-compliant financing facilities worth GBP 27 million (AED 133 million) for five years to Blexand LLC, aimed at financing a key logistics warehouse in Glasgow, Scotland. The bank's board approved a capital increase of AED 106.38 million through a rights issue to existing shareholders at an issue price of AED 16.45 per share, raising the capital from AED 3.63 billion to up to AED 3.74 billion. - Modon and ADIB launched the first financing mechanism for off-plan housing unit purchases in Abu Dhabi, covering up to 75% of the value of the properties sold off-plan and encompassing all development stages from construction to handover. Key data for the banking sector The CBUAE data, covering the period through the end of August 2026, indicated that bank assets in the UAE rose 12.9% to AED 5,741.3 billion, from AED 5,087.0 billion in the same period of 2025. The data also showed a 13% rise in bank deposits and an 18.8% increase in loans and advances, as detailed in the following table: <table align="center" border="1" cellpadding="0" cellspacing="0" dir="ltr" width="100%"> <tbody> <tr > <td colspan="4" > Aggregate UAE banks’ data as of end-August 2026 – AED bln </td> </tr> <tr > <td > Item </td> <td > August 2025 </td> <td > August 2026* </td> <td > Change(%) </td> </tr> <tr > <td > Assets </td> <td > 5,087.0 </td> <td > 5,741.3 </td> <td > +12.9% </td> </tr> <tr > <td > Bank deposits </td> <td > 3,128.5 </td> <td > 3,534.8 </td> <td > +13.0% </td> </tr> <tr > <td > Loans and advances </td> <td > 2,417.3 </td> <td > 2,871.4 </td> <td > +18.8% </td> </tr> </tbody> </table> <div >* Preliminary data, subject to adjustment.</div> Bank balance sheet development: ADIB's balance sheet saw total assets rise 17% in Q2 2026, while net financing investments increased 27% in Q2 2026 and customer deposits grew 15%, driven by increases in both demand deposits and time deposits, as detailed in the following table: <table align="center" border="1" cellpadding="0" cellspacing="0" dir="ltr" width="100%"> <tbody> <tr > <td colspan="4" > Balance Sheet – AED bln </td> </tr> <tr > <td > Period </td> <td > Q2 2025 </td> <td > Q2 2026 </td> <td > Change(%) </td> </tr> <tr > <td > Total assets </td> <td > 260.4 </td> <td > 303.9 </td> <td > +17% </td> </tr> <tr > <td > Net financing investments </td> <td > 162.8 </td> <td > 206.2 </td> <td > +27% </td> </tr> <tr > <td > Customer deposits </td> <td > 212.8 </td> <td > 245.7 </td> <td > +15% </td> </tr> <tr > <td > Demand deposits </td> <td > 55.9 </td> <td > 58.9 </td> <td > +5% </td> </tr> <tr > <td > Time deposits </td> <td > 156.2 </td> <td > 186.0 </td> <td > +19% </td> </tr> </tbody> </table> <div ></div> <table align="center" border="1" cellpadding="0" cellspacing="0" dir="ltr" width="100%"> <tbody> <tr > <td colspan="4" > Asset quality and solvency – AED bln </td> </tr> <tr > <td > Item </td> <td > Q2 2025 </td> <td > Q2 2026 </td> <td > Trend </td> </tr> <tr > <td > Non-performing loan ratio </td> <td > 3.5% </td> <td > 2.2% </td> <td > ↓ </td> </tr> <tr > <td > Credit loss provisions </td> <td > 4.47 </td> <td > 3.89 </td> <td > ↓ </td> </tr> <tr > <td > Coverage ratio for non-performing loans </td> <td > 85.3% </td> <td > 108.1% </td> <td > ↑ </td> </tr> <tr > <td > Non-performing loan coverage ratio with collateral </td> <td > 160.8% </td> <td > 177% </td> <td > ↑ </td> </tr> </tbody> </table> <div > Average forecasts</div> Average research house forecasts indicate the bank will deliver net profit of AED 1,765.0 million, based on coverage by four companies. These forecasts are 2% higher than the net profit reported by the bank in Q3 2025. <table align="center" border="1" cellpadding="0" cellspacing="0" dir="ltr" width="100%"> <tbody> <tr > <td colspan="2" > Research house average estimates – AED million </td> </tr> <tr > <td > Research house </td> <td > Estimates (AED million) </td> </tr> <tr > <td > SICO Bank </td> <td > 1,891.0 </td> </tr> <tr > <td > FAB </td> <td > 1,817.0 </td> </tr> <tr > <td > Goldman Sachs </td> <td > 1,707.0 </td> </tr> <tr > <td > Citi Group </td> <td > 1,646.0 </td> </tr> <tr > <td > Average estimates </td> <td > 1,765.0 </td> </tr> <tr > <td > Net profit before one-offs(Q3 2025) </td> <td > 1,724.5 </td> </tr> </tbody> <tbody> <tr > <td > Variance (%) </td> <td > +2.3% </td> </tr> </tbody> </table> <div ></div> <table align="center" border="1" cellpadding="0" cellspacing="0" dir="ltr" width="100%"> <tbody> <tr > <td colspan="3" > Stock Performance </td> </tr> <tr > <td > Item </td> <td > Bank </td> <td > Market </td> </tr> <tr > <td > Change YTD </td> <td > +10.31% </td> <td > (1.63%) </td> </tr> <tr > <td > Change (Last 12 months) </td> <td > +2.14% </td> <td > (2.66%) </td> </tr> <tr > <td > Previous close </td> <td > 22.80 </td> <td > 9,829.37 </td> </tr> <tr > <td > Recurring P/E </td> <td > 11.99 </td> <td > 20.93 </td> </tr> <tr > <td > EPS TTM Excluding Non-Recurring Items (AED/shr) </td> <td > 1.90 </td> <td > -- </td> </tr> </tbody> </table>

Publication: Argaam - UAE News · Trade Publication
Published: 20th October 2026
Original report: argaam.com

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What ProcIntel recorded

ProcIntel-derived

Category: Geopolitical Risk
Geography: UAE
Organisations: None identified
Collected: 20th October 2026 · 18:36

Initial assessment ProcIntel's automatic, provisional read of this individual Signal -- Initial Significance and Initial Confidence, computed deterministically before any Event extraction or human review.

A provisional, automatically computed reading of this individual Signal, before Event extraction or human review. Not a final rating.

Significance 2 · Moderate

Confidence 2 · Low

Initial Significance Moderate (22.0/100). Strongest contributor: Procurement Impact (12.0/30 points). Limiting factor: Geographic Breadth (0.0/10 points). Initial Confidence Low (31.5/100, data sufficiency: Partial). Strongest contributor: Source Authority (20.0/40 points). Limiting factor: Corroboration (2.5/25 points).

Strongest contributor: Procurement Impact
Limiting factor: Geographic Breadth

Possibly the same underlying story as ‎Ubhar Capital issues Q3 2026 earnings forecasts — flagged automatically, never merged automatically.

What the source reported

What ProcIntel recorded

Initial assessment ⓘMore about Initial Signal AssessmentProcIntel's automatic, provisional read of this individual Signal -- Initial Significance and Initial Confidence, computed deterministically before any Event extraction or human review.

Initial assessment ProcIntel's automatic, provisional read of this individual Signal -- Initial Significance and Initial Confidence, computed deterministically before any Event extraction or human review.