Page-cited financials · Dubai Financial Market

MASQ fundamentals.

▸ Extracted from the filings themselves — every figure links to the exact page it came from. Latest validated period: 2026-03-31.

Balance sheet

as of 2026-03-31
Cash and balances with central banksAED 35,596,464,000p.4
Loans and advances to banksAED 58,325,072,000p.4
Financial assets measured at fair valueAED 23,063,967,000p.4
Securities measured at amortised costAED 38,792,824,000p.4
Loans and advances to customersAED 139,500,686,000p.4
lslamicfinancing and investment productsAED 28,195,974,000p.4
AcceptancesAED 9,000,858,000p.4
Reinsurance contract assetsAED 2,947,578,000p.4
Investment in associateAED 260,380,000p.4
Investment propertiesAED 183,935,000p.4
Property and equipmentAED 1,355,689,000p.4
Intangible assetsAED 415,362,000p.4
Other assetsAED 6,665,809,000p.4
total_assetsAED 344,304,598,000p.4
Deposits and balances due to banksAED 33,537,801,000p.4
Repurchase agreements with banksAED 14,334,501,000p.4
Customers' depositsAED 183,954,226,000p.4
Islamic customers' depositsAED 26,216,801,000p.4
AcceptancesAED 9,000,858,000p.4
BorrowingsAED 14,916,324,000p.4
Sukuk issuedAED 1,836,500,000p.4
Insurance and Investment contract liabilitiesAED 6,490,742,000p.4
Other liabilitiesAED 12,295,212,000p.4
total_liabilitiesAED 302,582,965,000p.4
issued and paid up capitalAED 2,006,098,000p.4
Tier 1 capital notesAED 4,774,900,000p.4
Other reserveAED -502,554,000p.4
Retained earningsAED 34,248,529,000p.4
Equity attributable to owners of the Parent including noteholders of the GroupAED 40,526,973,000p.4
Non-controlling interestsAED 1,194,660,000p.4
total_equityAED 41,721,633,000p.4
total_liabilities_and_equityAED 344,304,598,000p.4

Cash flow

as of 2025-12-31
Cash and cash equivalents at end of the year (Note 35)USD 8,646,486,000p.18
Cash and cash equivalents at end of the year (Note 35)AED 31,758,536,000p.18
Cash and cash equivalents at beginning of the yearUSD 10,604,509,000p.18
Cash and cash equivalents at beginning of the yearAED 38,950,366,000p.18
Net foreign exchange differenceUSD -16,049,000p.18
Net foreign exchange differenceAED -58,948,000p.18
Net (decrease)/increase in cash and cash equivalentsUSD -1,941,974,000p.18
Net (decrease)/increase in cash and cash equivalentsAED -7,132,882,000p.18
Net cash generated from / (used in) financing activitiesUSD 1,883,128,000p.18
Net cash generated from / (used in) financing activitiesAED 6,916,726,000p.18
Coupon payment to Tier 1 note holdersUSD -61,125,000p.18
Coupon payment to Tier 1 note holdersAED -224,512,000p.18
Tier 1 notes issuedUSD -290,000p.18
Tier 1 notes issuedAED -1,065,000p.18
Syndicated borrowingsUSD 2,000,000,000p.18
Syndicated borrowingsAED 7,346,000,000p.18
Sukuk issuedUSD 500,000,000p.18
Sukuk issuedAED 1,836,500,000p.18
Medium term notes redeemedUSD -208,482,000p.18
Medium term notes redeemedAED -765,756,000p.18
Medium term notes issuedUSD 814,344,000p.18
Medium term notes issuedAED 2,991,087,000p.18
dividends_paidUSD -1,161,289,000p.18
dividends_paidAED -4,265,416,000p.18
Transaction with NCIUSD -30,000p.18
Transaction with NCIAED -112,000p.18
Net cash (used in)/ generatedfrom investing activitiesUSD -3,322,358,000p.17
Net cash (used in)/ generatedfrom investing activitiesAED -12,203,024,000p.17
Disposal of subsidiaryUSD 0p.17
Disposal of subsidiaryAED 0p.17
Proceeds from sale of investment propertiesUSD 422,000p.17
Proceeds from sale of investment propertiesAED 1,550,000p.17
Dividend income from other financial assets measured at FVTOCIUSD 23,515,000p.17
Dividend income from other financial assets measured at FVTOCIAED 86,369,000p.17
Proceeds from sale of other financial assets measured at fair value or amortised costUSD 13,313,345,000p.17
Proceeds from sale of other financial assets measured at fair value or amortised costAED 48,899,915,000p.17
Purchase of other financial assets measured at fair value or amortised costUSD -16,563,680,000p.17
Purchase of other financial assets measured at fair value or amortised costAED -60,838,398,000p.17
Proceeds from sale of property and equipmentUSD 6,549,000p.17
Proceeds from sale of property and equipmentAED 24,053,000p.17
Purchase on intangible assetsUSD -52,358,000p.17
Purchase on intangible assetsAED -192,310,000p.17
capexUSD -50,151,000p.17
capexAED -184,203,000p.17
ocfUSD -502,744,000p.17
ocfAED -1,846,584,000p.17
Increase in other liabilitiesUSD 179,121,000p.17
Increase in other liabilitiesAED 657,910,000p.17
Increase in Insurance and Investment contract liabilitiesUSD 85,706,000p.17
Increase in Insurance and Investment contract liabilitiesAED 314,797,000p.17
(Decrease)/Increase in deposits and balances due to banksUSD -1,212,102,000p.17
(Decrease)/Increase in deposits and balances due to banksAED -4,452,051,000p.17
Increase in Islamic customers’ depositsUSD 2,349,402,000p.17
Increase in Islamic customers’ depositsAED 8,629,353,000p.17
Increase in customers’ depositsUSD 9,617,857,000p.17
Increase in customers’ depositsAED 35,326,388,000p.17
Increase in repurchase agreements with banksUSD 1,377,764,000p.17
Increase in repurchase agreements with banksAED 5,060,529,000p.17
(Increase)/Decrease in financial assets carried at FVTPLUSD -442,954,000p.17
(Increase)/Decrease in financial assets carried at FVTPLAED -1,626,969,000p.17
Increase in other assetsUSD -56,167,000p.17
Increase in other assetsAED -206,302,000p.17
Increase/(decrease) in reinsurance assetsUSD 42,648,000p.17
Increase/(decrease) in reinsurance assetsAED 156,645,000p.17
Increase in Islamic financing and investment productsUSD -1,247,570,000p.17
Increase in Islamic financing and investment productsAED -4,582,324,000p.17
Increase in loans and advances to customersUSD -9,616,866,000p.17
Increase in loans and advances to customersAED -35,322,750,000p.17
Increase in loans and advances to banks with original maturity after three monthsUSD -2,783,577,000p.17
Increase in loans and advances to banks with original maturity after three monthsAED -10,224,077,000p.17
Increase in deposits with central banksUSD -905,927,000p.17
Increase in deposits with central banksAED -3,327,470,000p.17
Profit before taxation for the yearAED 8,260,984,000p.17
Profit before taxation for the yearUSD 2,249,111,000p.17
Depreciation and amortisationAED 294,556,000p.17
Depreciation and amortisationUSD 80,195,000p.17
Allowances for impairment, netAED 444,165,000p.17
Allowances for impairment, netUSD 120,927,000p.17
Gain on disposal of property and equipmentAED -1,858,000p.17
Gain on disposal of property and equipmentUSD -506,000p.17
Loss on disposal of investment propertiesAED 50,000p.17
Loss on disposal of investment propertiesUSD 14,000p.17
Unrealised gain on other financial assets held at FVTPLAED -14,223,000p.17
Unrealised gain on other financial assets held at FVTPLUSD -3,872,000p.17
Fair value adjustments of investment propertiesAED -33,915,000p.17
Fair value adjustments of investment propertiesUSD -9,234,000p.17
Net realized gain from sale of financial assets measured at FVTPLAED -115,521,000p.17
Net realized gain from sale of financial assets measured at FVTPLUSD -31,451,000p.17
Dividend income from financial assets measured at FVTOCIAED -86,369,000p.17
Dividend income from financial assets measured at FVTOCIUSD -23,515,000p.17
Net realised gain from sale of financial assets measured at FVTOCI and securities measured at amortised costAED -133,309,000p.17
Net realised gain from sale of financial assets measured at FVTOCI and securities measured at amortised costUSD -36,294,000p.17
Impairment allowance on investment in associateAED 36,498,000p.17
Impairment allowance on investment in associateUSD 9,937,000p.17
Unrealised loss/(gain) on derivativesAED 4,767,000p.17
Unrealised loss/(gain) on derivativesUSD 1,298,000p.17
Gain on sale/bargain purchaseAED 0p.17
Gain on sale/bargain purchaseUSD 0p.17
Gain on revaluation of ForexAED 0p.17
Gain on revaluation of ForexUSD 0p.17
Operating cash flows before tax paid and changes in operating assets and liabilitiesAED 8,655,825,000p.17
Operating cash flows before tax paid and changes in operating assets and liabilitiesUSD 2,356,610,000p.17
Tax paidAED -906,088,000p.17
Tax paidUSD -246,689,000p.17

Income statement

as of 2025-12-31
Interest incomeAED 13,959,584,000p.14
Interest incomeUSD 3,800,595,000p.14
Income from Islamic financing and investment productsAED 1,906,055,000p.14
Income from Islamic financing and investment productsUSD 518,937,000p.14
Total interest income and income from Islamic financing and investment productsAED 15,865,639,000p.14
Total interest income and income from Islamic financing and investment productsUSD 4,319,532,000p.14
interest_expenseAED -7,140,971,000p.14
interest_expenseUSD -1,944,179,000p.14
Distribution to depositors - Islamic productsAED -583,322,000p.14
Distribution to depositors - Islamic productsUSD -158,814,000p.14
Net interest income and income from Islamic products net of distribution to depositorsAED 8,141,346,000p.14
Net interest income and income from Islamic products net of distribution to depositorsUSD 2,216,539,000p.14
Fee and commission incomeAED 5,269,686,000p.14
Fee and commission incomeUSD 1,434,709,000p.14
Fee and commission expenseAED -3,936,650,000p.14
Fee and commission expenseUSD -1,071,781,000p.14
Net fee and commission incomeAED 1,333,036,000p.14
Net fee and commission incomeUSD 362,928,000p.14
Net investment incomeAED 350,437,000p.14
Net investment incomeUSD 95,409,000p.14
Other income, netAED 2,751,595,000p.14
Other income, netUSD 749,141,000p.14
operating_incomeAED 12,576,414,000p.14
operating_incomeUSD 3,424,017,000p.14
General and administrative expensesAED -3,871,265,000p.14
General and administrative expensesUSD -1,053,979,000p.14
Operating profit before impairmentAED 8,705,149,000p.14
Operating profit before impairmentUSD 2,370,038,000p.14
Net impairment (charge)/reversalAED -444,165,000p.14
Net impairment (charge)/reversalUSD -120,927,000p.14
Profit before taxAED 8,260,984,000p.14
Profit before taxUSD 2,249,111,000p.14
Tax expenseAED -1,290,791,000p.14
Tax expenseUSD -351,427,000p.14
net_incomeAED 6,970,193,000p.14
net_incomeUSD 1,897,684,000p.14
Owners of the ParentAED 6,839,622,000p.14
Owners of the ParentUSD 1,862,134,000p.14
Non-controlling interestsAED 130,571,000p.14
Non-controlling interestsUSD 35,550,000p.14