Abu Dhabi Commercial Bank (ADCB) has announced another quarter of strong performance, reporting a profit before tax of AED 9.108 billion for the first nine months of 2025, an 18% year-on-year increase, and a net profit after tax of AED 8.104 billion. In the third quarter alone, the Bank recorded a profit before tax of AED 3.166 billion, also up 18% from the previous year, marking 17 consecutive quarters of profit growth.
Strong Financial Performance Amid UAE’s Robust Economic Fundamentals
The Bank’s operating income grew 19% year-on-year to AED 16.6 billion, driven by a 12% increase in net interest income and a 34% surge in non-interest income. ADCB also achieved a cost-to-income ratio of 27.7%, a 420-basis-point improvement from 2024, reflecting sustained operational efficiencies and gains from automation and process optimisation.
“This strong momentum reflects ADCB’s disciplined execution, focus on customer experience, and investment in digital and AI capabilities,” said Ala’a Eraiqat, Group Chief Executive Officer.
Robust Balance Sheet and Record Low NPL Ratio
ADCB’s total assets rose 17% year-on-year to AED 744 billion, while net loans increased 17% to AED 401 billion and customer deposits grew 19% to AED 482 billion. The Bank’s CASA deposits climbed 27% year-on-year to AED 216 billion, accounting for 45% of total deposits.
The non-performing loan ratio improved to a record low of 1.86%, with a provision coverage ratio of 187.3%, underscoring ADCB’s strong credit quality and prudent risk management.
Capital adequacy ratios remained solid, with a CET1 ratio of 12.7% and a Capital Adequacy Ratio of 16%. Liquidity coverage stood at 133.1%, while the loan-to-deposit ratio remained conservative at 83.2%.
Strategic Capital Raise to Support Future Growth
In October 2025, ADCB announced a rights issue to raise up to AED 6.1 billion, approved by shareholders earlier in the month. The move aims to strengthen the Bank’s capital position and support long-term growth ambitions. The capital increase will enhance the CET1 and CAR ratios by approximately 120 basis points, positioning ADCB well above regulatory requirements.
Mubadala Investment Company, the Bank’s majority shareholder, has confirmed its intention to exercise its rights in full.
AI-Driven Transformation to Unlock AED 4 Billion in Value
As part of its new five-year strategy, ADCB launched an AI transformation programme designed to unlock AED 4 billion in financial value through new revenue streams, cost efficiencies, and enhanced risk management.
The initiative focuses on improving customer experience, fraud detection, cybersecurity, and operational resilience, positioning ADCB as a technology-driven institution at the forefront of innovation in the financial sector.
Core Businesses Delivering Balanced Growth
Retail Banking saw strong digital adoption, with 67% of new customers onboarded digitally and 97% of retail transactions conducted through self-service channels.
Corporate and Investment Banking deepened client relationships, executing 17 debt capital market transactions worth USD 15.6 billion and expanding its international lending footprint by 35% year-to-date.
Private Banking and Wealth Management recorded a 47% increase in assets under management over the past 12 months, reflecting robust client inflows and expanded investment offerings.
ADCB Egypt and Meedaf Deliver Strong Contributions
ADCB Egypt continued its strong performance, with net profit rising 31% year-on-year to EGP 3.856 billion, a return on equity of 36%. The bank’s digital transformation efforts have significantly enhanced customer engagement, with digital channel users up 32% year-on-year.
Meanwhile, Meedaf, ADCB’s ADGM-licensed subsidiary launched earlier in 2025, is expanding rapidly through partnerships, including a recent collaboration with InDebted, the global leader in AI-powered collections.
Commitment to Emiratisation and Sustainable Finance
ADCB was recognised with the 2025 Nafis Diamond Award for exceptional efforts in Emiratisation, with UAE nationals comprising 40% of the total workforce, 98% of branch managers, and 40% of leadership roles.
The Bank also reaffirmed its sustainability leadership through its 2025 Green Bond Report, which recorded a 19% year-on-year increase in its Eligible Green Loan Portfolio, funding renewable energy, sustainable real estate, and water management projects.
Outlook: Positioned for Sustained Growth
Entering the final quarter of 2025, ADCB remains on track to deliver a return on equity of around 15% for the year, in line with its guidance. With strong fundamentals, prudent governance, and accelerating digital transformation, the Bank continues to reinforce its position as one of the UAE’s leading financial institutions.
“We are building a fast-moving, data-driven organisation that continues to deliver sustainable growth and long-term value for shareholders,” added Eraiqat.
