SmartRatios Credit Risk

ADCB.AD
10/23/2020

Model Summary
in Emerging Markets 20
Model Implied Rating BBB-
Probability of Default 0.51%

Credit Ratings
S&P A
Moody's

Component Details
TTM NTM
Profitability 26
Return On Tangible Capital 2.3% 2.4%
Net Profit Margin 20.5% 21.6%
Unrealized Losses / Tangible Capital N/A
Unrealized Losses / Revenue N/A
∆ LIFO Reserve (%) N/A
Operating Leverage 61.8%
Leverage 20
Equity / Assets 0.13 0.13
Net Debt / Equity N/A
Underfunded Pension Liability / Equity 0.01
Intangibles / Assets 1.83
Tier 1 Risk-Adjusted Capital Ratio 0.1%
EOP Loans / EOP Deposits 0.93
Coverage 15
EBIT / Interest Expense 1.14 1.19
EBITDA / Interest Expense N/A
Free Cash Flow / Debt 0.17 0.29
Loan Loss Provision (% of Abg. Loans) 1.0%
Liquidity 58
Cash / Total Debt 0.8
Short-Term Debt / Total Debt 24
Quick Ratio N/A
∆ Quick Ratio N/A
Growth & Stability 15
Stabilized ROE Growth -2.35
EPS Standard Deviation 0.37
Revenue Standard Deviation 0.1

Related Companies Comparison

Ticker Company Name Model Score Probability of Default Model Implied Rating S&P / Moody's Profitability Leverage Coverage Liquidity Growth
ADCB.AD Abu Dhabi Commercial Bank PJSC 20 0.51% BBB- A / N/A 26 20 15 58 15
DISB.DU Dubai Islamic Bank PJSC 46 0.24% BBB+ NR / A3 30 48 12 94 49
FAB.AD First Abu Dhabi Bank PJSC 39 0.29% BBB+ AA- / N/A 34 35 14 82 42
ENBD.DU Emirates NBD Bank PJSC 34 0.33% BBB N/A / N/A 32 27 8 76 49
1010.SE Riyad Bank SJSC 66 0.13% A BBB+ / N/A 50 54 28 95 75
1120.SE Al Rajhi Banking & Investment Corporation SJSC 88 0.06% AA- BBB+ / N/A 79 54 11 100 89
1090.SE Samba Financial Group SJSC 62 0.15% A BBB+ / N/A 46 59 63 90 52
1180.SE National Commercial Bank SJSC 64 0.14% A BBB+ / N/A 55 29 41 100 66
57 0.19% N/A / N/A 47 44 25 91 60