Financial Ratios Invest bank

Equities

INVESTB

AEI000101016

Banks

Delayed Abu Dhabi Securities Exchange Other stock markets 06:09:10 09/03/2026 am IST			5-day change	1st Jan Change
0.4500 ^AED	0.00%		0.00%	-

24/02	UAE's Invest Bank Swings to 2025 Profit on Sharp Operating Income Growth, Balance Sheet Strength	MT
24/02	Invest Bank Turns to FY25 Profit; Total Operating Income Up	MT

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Published financial data: INVEST BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	30Cr	22Cr	45Cr	49Cr	56Cr
Interest Income, Total	30Cr	22Cr	45Cr	49Cr	56Cr
Interest On Deposits	18Cr	14Cr	28Cr	35Cr	36Cr
Interest Expense, Total	18Cr	14Cr	28Cr	35Cr	36Cr
Net Interest Income	12Cr	7.85Cr	17Cr	14Cr	20Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	4L	87T	5L	-6T	-
Total Other Non Interest Income	5.12Cr	-3.36Cr	6.66Cr	7.1Cr	23Cr
Non Interest Income, Total	5.15Cr	-3.35Cr	6.71Cr	7.1Cr	23Cr
Revenues Before Provison For Loan Losses	17Cr	4.5Cr	24Cr	21Cr	43Cr
Provision For Loan Losses	29Cr	45Cr	106.03Cr	12Cr	-9.08Cr
Total Revenues	-12Cr	-40Cr	-82Cr	9.12Cr	53Cr
Salaries And Other Employee Benefits	9.12Cr	9.36Cr	12Cr	16Cr	21Cr
Occupancy Expense	6.8Cr	6.43Cr	7.14Cr	11Cr	1.05Cr
Selling General & Admin Expenses, Total	66.53L	2.68Cr	1.28Cr	1.86Cr	14Cr
Total Other Non Interest Expense	-	-11.73L	-	-	-
Non Interest Expense, Total	17Cr	18Cr	21Cr	28Cr	36Cr
EBT, Excl. Unusual Items	-29Cr	-58Cr	-103.12Cr	-19Cr	17Cr
Asset Writedown	-	-	-	-	-
EBT, Incl. Unusual Items	-29Cr	-58Cr	-103.12Cr	-19Cr	17Cr
Income Tax Expense	-	-	-	-	38.9L
Earnings From Continuing Operations	-29Cr	-58Cr	-103.12Cr	-19Cr	16Cr
Net Income to Company	-29Cr	-58Cr	-103.12Cr	-19Cr	16Cr
Minority Interest	-	-	-	-	26T
Net Income - (IS)	-29Cr	-58Cr	-103.12Cr	-19Cr	16Cr
Net Income to Common Incl Extra Items	-29Cr	-58Cr	-103.12Cr	-19Cr	16Cr
Net Income to Common Excl. Extra Items	-29Cr	-58Cr	-103.12Cr	-19Cr	16Cr
Per Share Items
Net EPS - Basic	-0.09	-0.18	-0.01	-0	0
Basic EPS - Continuing Operations	-0.09	-0.18	-0.01	-0	0
Basic Weighted Average Shares Outstanding	318.1Cr	318.1Cr	8.01TCr	26TCr	26TCr
Net EPS - Diluted	-0.09	-0.18	-0.01	-0	0
Diluted EPS - Continuing Operations	-0.09	-0.18	-0.01	-0	0
Diluted Weighted Average Shares Outstanding	318.1Cr	318.1Cr	8.01TCr	26TCr	26TCr
Normalized Basic EPS	-0.06	-0.11	-0.01	-0	0
Normalized Diluted EPS	-0.06	-0.11	-0.01	-0	0
Payout Ratio	-	-	-	-	-
Supplemental Items
Effective Tax Rate - (Ratio)	-	-	-	-	2.35
Total Current Taxes	-	-	-	-	1.57Cr
Total Deferred Taxes	-	-	-	-	-1.18Cr
Normalized Net Income	-18Cr	-36Cr	-64Cr	-12Cr	10Cr
Non-Cash Pension Expense	-	-	-	-	46.88L

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	134.75Cr	37Cr	122.36Cr	62Cr	213.72Cr
Investment Securities, Total	89.75L	152.13Cr	186.46Cr	152.94Cr	127.55Cr
Trading Asset Securities, Total	28.03L	27.97L	32.4L	-	-
Total investments	1.18Cr	152.41Cr	186.78Cr	152.94Cr	127.55Cr
Gross Loans	1.21TCr	1.19TCr	1.23TCr	1.24TCr	1.39TCr
Allowance For Loan Losses	-460.3Cr	-480.4Cr	-577.7Cr	-541.56Cr	-439.96Cr
Other Adjustments to Gross Loans	-152.41Cr	-196.53Cr	-222.54Cr	-245.86Cr	-229.34Cr
Net Loans	593.04Cr	517.39Cr	425.21Cr	449.15Cr	719.49Cr
Gross Property Plant And Equipment	27Cr	26Cr	28Cr	28Cr	11Cr
Accumulated Depreciation	-19Cr	-20Cr	-21Cr	-21Cr	-2.23Cr
Net Property Plant And Equipment	7.63Cr	6.5Cr	7.05Cr	6.75Cr	9.25Cr
Accrued Interest Receivable	79.26L	1.13Cr	3.73Cr	1.98Cr	2.43Cr
Other Receivables	-	-	33Cr	73Cr	-
Restricted Cash	22Cr	16Cr	25Cr	36Cr	79Cr
Other Current Assets, Total	5.38Cr	9.67Cr	25Cr	23Cr	61Cr
Other Real Estate Owned And Foreclosed	42Cr	37Cr	65Cr	66Cr	34Cr
Other Long-Term Assets, Total	200Cr	80Cr	310Cr	206.85Cr	169.97Cr
Total Assets	1.01TCr	856.77Cr	1.2TCr	1.08TCr	1.42TCr
Liabilities
Accrued Expenses, Total	4.46Cr	6.69Cr	7.12Cr	15Cr	22Cr
Interest Bearing Deposits	676.39Cr	611.7Cr	809.61Cr	700.49Cr	851.47Cr
Non-Interest Bearing Deposits	171.12Cr	148.19Cr	146.59Cr	171.75Cr	286.74Cr
Total Deposits	847.51Cr	759.88Cr	956.2Cr	872.24Cr	1.14TCr
Short-Term Borrowings	75Cr	64Cr	38Cr	-	17Cr
Long-Term Leases	-	-	46.8L	36.46L	12.15L
Current Income Taxes Payable	-	-	-	-	2.94Cr
Accrued Interest Payable	6.64Cr	5.43Cr	15Cr	13Cr	16Cr
Other Current Liabilities - (Bank / Utility Template)	4.57Cr	5.13Cr	12Cr	18Cr	14Cr
Unearned Revenue Non Current	2.02Cr	2.06Cr	2.59Cr	2.04Cr	3.56Cr
Pension & Other Post Retirement Benefits	1.62Cr	1.45Cr	1.45Cr	1.65Cr	5.54Cr
Other Non Current Liabilities	2.12Cr	1.69Cr	3.94Cr	8.11Cr	33Cr
Total Liabilities	943.94Cr	846.35Cr	1.04TCr	930.44Cr	1.25TCr
Common Stock, Total	318.1Cr	318.1Cr	320.25Cr	320.25Cr	320.25Cr
Retained Earnings	-204.16Cr	-262.67Cr	-151.25Cr	-170.17Cr	-154.12Cr
Comprehensive Income and Other	-52Cr	-45Cr	-2.04Cr	-2.21Cr	-1.83Cr
Total Common Equity	62Cr	10Cr	166.96Cr	147.87Cr	164.3Cr
Minority Interest	-	-	-	-	94T
Total Equity	62Cr	10Cr	166.96Cr	147.87Cr	164.31Cr
Total Liabilities And Equity	1.01TCr	856.77Cr	1.2TCr	1.08TCr	1.42TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	318.1Cr	318.1Cr	26TCr	26TCr	26TCr
ECS Total Common Shares Outstanding	318.1Cr	318.1Cr	26TCr	26TCr	26TCr
Book Value / Share	0.2	0.03	0.01	0.01	0.01
Tangible Book Value	62Cr	10Cr	166.96Cr	147.87Cr	164.3Cr
Tangible Book Value Per Share	0.2	0.03	0.01	0.01	0.01
Total Debt	75Cr	64Cr	38Cr	36.46L	17Cr
Deposits at Interest - Cash	12Cr	35Cr	145.47Cr	110.74Cr	219.14Cr
Net Debt	-60Cr	8.14Cr	-85Cr	-88Cr	-197.07Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	-29Cr	-58Cr	-103.12Cr	-19Cr	16Cr
Depreciation, Depletion & Amortization	65.33L	81.94L	77.53L	1.05Cr	1.05Cr
Total Depreciation, Depletion & Amortization	65.33L	81.94L	77.53L	1.05Cr	1.05Cr
(Gain) Loss On Sale of Asset - (CF)	84.14L	8.79Cr	3L	3.41Cr	-9.65Cr
(Gain) Loss on Sale of Investments - (CF)	-4L	16T	-3T	23.13L	12.26L
Total Asset Writedown	-7.92Cr	41.53L	54.01L	3.7Cr	-5.76Cr
Provision for Credit Losses	39Cr	28Cr	105.01Cr	8.48Cr	-3.18Cr
Change in Other Net Operating Assets (Collected)	68Cr	35Cr	-72Cr	-22Cr	-147.63Cr
Other Operating Activities	-1.8Cr	-7.91Cr	57.84L	-11.47L	39.7L
Cash from Operations	70Cr	6.8Cr	-68Cr	-24Cr	-148.5Cr
Capital Expenditure	-82.76L	-17.8L	-1.33Cr	-74.55L	-3.54Cr
Sale (Purchase) of Real Estate Properties (Collected)	3.25Cr	-	-	-	-
Investment in Marketable and Equity Securities, Total	-64Cr	-12Cr	-23Cr	8.98Cr	-19Cr
Other Investing Activities, Total	-	-	2.27Cr	2.84Cr	5.6Cr
Cash from Investing	-62Cr	-13Cr	-22Cr	11Cr	-17Cr
Short Term Debt Issued, Total	64Cr	64Cr	-	-	17Cr
Total Debt Issued	64Cr	64Cr	-	-	17Cr
Short Term Debt Repaid, Total	-28Cr	-75Cr	-26Cr	-38Cr	-
Total Debt Repaid	-28Cr	-75Cr	-26Cr	-38Cr	-
Issuance of Common Stock	-	-	29Cr	-	-
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Net Increase (Decrease) in Deposit Accounts - (CF)	32Cr	-88Cr	197.92Cr	16Cr	261.06Cr
Other Financing Activities, Total	-	-	-	-	1L
Cash from Financing	68Cr	-99Cr	200.9Cr	-21Cr	277.6Cr
Foreign Exchange Rate Adjustments	-	6.87Cr	-	-	-
Net Change in Cash	77Cr	-98Cr	110.14Cr	-34Cr	111.93Cr
Supplemental Items
Net Debt Issued / Repaid	36Cr	-11Cr	-26Cr	-38Cr	17Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	-3.06	-6.27	-10.01	-1.66	1.28
Return On Equity %	-37.62	-161.12	-116.27	-12.03	10.34
Return on Common Equity	-37.62	-161.12	-116.27	-12.03	10.35
Shareholders Value Added	-38Cr	-63Cr	-113.76Cr	-38Cr	-2.58Cr
Margin Analysis
SG&A Margin	-135.91	-46.13	-25.41	307.57	68.53
Net Interest Income / Total Revenues %	-99.18	-19.61	-20.79	153.95	38.31
EBT Excl. Non-Recurring Items Margin %	235.91	145.83	125.41	-207.57	31.47
Income From Continuing Operations Margin %	235.91	145.83	125.41	-207.57	30.73
Net Income Margin %	235.91	145.83	125.41	-207.57	30.73
Net Avail. For Common Margin %	235.91	145.83	125.41	-207.57	30.73
Normalized Net Income Margin	147.44	91.15	78.38	-129.73	19.67
Asset quality
Nonperforming Loans / Total Loans %	65.89	67.71	65.76	62.41	48.09
Nonperforming Loans / Total Assets %	78.97	94.39	66.97	71.57	47.14
Nonperforming Assets / Total Assets %	83.11	98.66	72.36	77.7	49.56
NPAs / Loans and OREO	67.02	68.67	67.48	64.32	49.34
NPAs / Equity	1.35T	8.11T	521.46	566.64	427.34
Allowance for Credit Losses / Net Charge-offs %	3L	7.14T	6.68T	1.12T	632.81
Allowance for Credit Losses / Nonperforming Loans %	57.94	59.41	71.69	70.17	65.87
Allowance for Credit Losses / Total Loans %	38.18	40.22	47.14	43.8	31.68
Provision for Loan Losses / Net Charge-offs %	20.73T	662.16	1.23T	24.76	-13.07
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.14	3.89	8.61	13.8	12.37
Total Average Equity / Total Average Assets %	8.14	3.89	8.61	13.8	12.37
Total Equity + Allowance for Loan Losses / Total Loans %	43.32	41.1	60.77	55.75	43.51
Gross Loans / Total Deposits %	142.27	157.17	128.16	141.77	122.01
Net Loans / Total Deposits %	69.97	68.09	44.47	51.49	63.21
Tier 1 Capital Ratio %	8.15	1.58	37.43	27.55	19.06
Total Capital Ratio %	9.29	2.77	38.59	28.72	20.23
Core Tier 1 Capital Ratio	8.15	1.58	37.43	27.55	19.06
Tier 2 Capital Ratio	1.14	1.18	1.16	1.17	1.17
Coverage Ratio	56.19	56.18	71.06	70.02	65.87
Interbank Ratio	15.48	21.57	162.56	3L	507.4
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	-0.59	-3.1	-2.67	0.46	1.46
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	5.59	-35.11	117.72	-17.88	43.4
Non Interest Income, 1 Yr. Growth %	-29	-165.03	-300.12	5.82	228.69
Provision For Loan Losses, 1 Yr. Growth %	-18.87	51.19	138.06	-88.66	-175.58
Total Revenues, 1 Yr. Growth %	-30.62	228.14	105.36	-111.09	476.22
Earnings From Cont. Operations, 1 Yr. Growth %	-19.22	102.85	76.61	-81.64	-185.3
Net Income, 1 Yr. Growth %	-19.22	102.85	76.61	-81.64	-185.31
Normalized Net Income, 1 Yr. Growth %	-19.22	102.85	76.61	-81.64	-187.38
Diluted EPS Before Extra, 1 Yr. Growth %	-19.22	102.85	-92.99	-94.41	-185.26
Gross Loans, 1 Yr. Growth %	-4.24	-0.95	2.61	0.91	12.31
Allowance For Loan Losses, 1 Yr. Growth %	7.8	4.37	20.25	-6.26	-14.24
Net Loans, 1 Yr. Growth %	-18.13	-12.76	-17.82	5.63	50.61
Non Performing Loans, 1 Yr. Growth %	8.53	1.8	-0.36	-4.22	-13.64
Non Performing Assets, 1 Yr. Growth %	7.5	1.1	3	-3.76	-16.36
Total Assets, 1 Yr. Growth %	15.18	-14.83	40.44	-10.38	28.01
Total Deposits, 1 Yr Growth %	18.57	-10.34	25.84	-8.78	30.49
Tangible Book Value, 1 Yr. Growth %	-31.8	-83.2	1.5T	-11.43	11.11
Common Equity, 1 Yr. Growth %	-31.8	-83.2	1.5T	-11.43	11.11
Total Equity, 1 Yr. Growth %	-31.8	-83.2	1.5T	-11.43	11.12
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-22.31	-17.23	18.86	33.72	8.52
Non Interest Income, 2 Yr. CAGR %	-29.72	-32.05	14.08	45.52	86.5
Provision For Loan Losses, 2 Yr. CAGR %	-31.84	10.76	89.72	-48.05	-70.73
Total Revenues, 2 Yr. CAGR %	-39.13	50.89	159.59	-52.27	-20.06
Earnings From Cont. Operations, 2 Yr. CAGR %	-29.52	28.01	89.28	-43.06	-60.43
Net Income, 2 Yr. CAGR %	-29.52	28.01	89.28	-43.06	-60.43
Normalized Net Income, 2 Yr. CAGR %	-29.52	28.01	89.28	-43.06	-59.95
Diluted EPS Before Extra, 2 Yr. CAGR %	-29.52	28.01	-62.28	-93.74	-78.18
Gross Loans, 2 Yr. CAGR %	-3.88	-2.61	0.81	1.75	6.46
Allowance For Loan Losses, 2 Yr. CAGR %	-1.42	6.07	12.03	6.17	-12.73
Net Loans, 2 Yr. CAGR %	-15.54	-15.49	-15.32	-6.83	30.08
Non Performing Loans, 2 Yr. CAGR %	11.83	5.11	0.71	-2.31	-8.96
Non Performing Assets, 2 Yr. CAGR %	10.31	4.25	2.05	-0.44	-10.19
Total Assets, 2 Yr. CAGR %	-7.29	-0.96	9.36	12.19	8.52
Total Deposits, 2 Yr CAGR %	-7.51	3.11	6.22	7.14	9.1
Tangible Book Value, 2 Yr. CAGR %	-30.54	-66.15	64.03	276.61	-0.8
Common Equity, 2 Yr. CAGR %	-30.54	-66.15	64.03	276.61	-0.8
Total Equity, 2 Yr. CAGR %	-30.54	-66.15	64.03	276.61	-0.8
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-32.55	-26.83	14.26	5.08	36.87
Non Interest Income, 3 Yr. CAGR %	-23.3	-31.52	-2.6	11.26	90.93
Provision For Loan Losses, 3 Yr. CAGR %	-44.19	-11.11	42.94	-25.83	-41.14
Total Revenues, 3 Yr. CAGR %	-53.15	6.74	67.21	-9.25	9.49
Earnings From Cont. Operations, 3 Yr. CAGR %	-41.96	0.26	42.51	-13.04	-34.85
Net Income, 3 Yr. CAGR %	-41.96	0.26	42.51	-13.04	-34.85
Normalized Net Income, 3 Yr. CAGR %	-41.96	0.26	42.51	-13.04	-34.32
Diluted EPS Before Extra, 3 Yr. CAGR %	-53.96	0.26	-51.38	-80.05	-85.05
Gross Loans, 3 Yr. CAGR %	-4.44	-2.91	-0.9	0.84	5.16
Allowance For Loan Losses, 3 Yr. CAGR %	7.14	0.47	10.6	5.57	-2.89
Net Loans, 3 Yr. CAGR %	-16.19	-14.62	-16.27	-8.85	11.62
Non Performing Loans, 3 Yr. CAGR %	15.84	8.38	3.25	-0.96	-6.18
Non Performing Assets, 3 Yr. CAGR %	13.64	7.15	3.83	0.07	-6
Total Assets, 3 Yr. CAGR %	-10.49	-9.88	11.27	2.34	18.26
Total Deposits, 3 Yr CAGR %	-12.46	-8.46	10.19	0.96	14.42
Tangible Book Value, 3 Yr. CAGR %	-6	-56.72	22.43	33.57	150.71
Common Equity, 3 Yr. CAGR %	-6	-56.72	22.43	33.57	150.71
Total Equity, 3 Yr. CAGR %	-6	-56.72	22.43	33.57	150.72
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-25.03	-31.85	-15.39	-6.88	11.93
Non Interest Income, 5 Yr. CAGR %	-27.31	-33.65	-10.1	-7.42	26.3
Provision For Loan Losses, 5 Yr. CAGR %	0.99	-12.58	-8.96	-28.3	-24.2
Total Revenues, 5 Yr. CAGR %	-24.11	38.89	-7.07	-22.64	24.47
Earnings From Cont. Operations, 5 Yr. CAGR %	1.16	16.02	-6.87	-20.05	-14.64
Net Income, 5 Yr. CAGR %	1.16	16.02	-6.87	-20.05	-14.64
Normalized Net Income, 5 Yr. CAGR %	-0.54	16.02	-6.87	-20.05	-14.23
Diluted EPS Before Extra, 5 Yr. CAGR %	-11.96	0.97	-57.49	-66.94	-64.71
Gross Loans, 5 Yr. CAGR %	-1.52	-3.09	-2.37	-1.07	1.98
Allowance For Loan Losses, 5 Yr. CAGR %	35.08	26.04	9.07	2.72	0.6
Net Loans, 5 Yr. CAGR %	-13.08	-16.13	-15.85	-11.59	-0.13
Non Performing Loans, 5 Yr. CAGR %	50.24	-	9.54	3.97	-1.81
Non Performing Assets, 5 Yr. CAGR %	42.19	-	8.85	4.05	-2.02
Total Assets, 5 Yr. CAGR %	-9	-12.75	-3.02	-1.63	10.16
Total Deposits, 5 Yr CAGR %	-7	-10.99	-5.42	-2.51	9.75
Tangible Book Value, 5 Yr. CAGR %	-26.84	-47.2	17.45	2.83	12.55
Common Equity, 5 Yr. CAGR %	-26.84	-47.2	17.45	2.83	12.55
Total Equity, 5 Yr. CAGR %	-26.84	-47.2	17.45	2.83	12.55