Abu Dhabi Commercial Bank (ADCB) has concluded its 40th anniversary year with an unprecedented financial triumph, posting record-breaking profits fueled by expansive growth across its core banking operations and a successful digital transformation initiative. The UAE’s third-largest financial institution reported a 22% annual surge in net profit after tax, reaching Dh11.445 billion for fiscal year 2025, while pre-tax profits climbed 21% to Dh12.843 billion.
The bank’s exceptional performance was anchored by substantial balance sheet expansion, with total assets growing 19% to Dh774 billion. This growth was propelled by robust double-digit increases in both lending and deposit portfolios. Net loans advanced 16% to Dh406 billion, reflecting sustained credit demand across retail and corporate segments, while customer deposits swelled 19% to Dh500 billion.
Chairman Khaldoon Khalifa Al Mubarak emphasized the institution’s alignment with national economic objectives, stating: ‘ADCB’s 2025 results underscore the Bank’s pivotal role in supporting the UAE’s economic growth and reflect our continued commitment to disciplined, sustainable expansion.’
Operational efficiency reached new heights as the bank achieved a record-low cost-to-income ratio of 28.2%, down from 31% in 2024. This improvement was largely attributed to technology-driven optimization and artificial intelligence implementation. Total operating income rose 14% to Dh22.183 billion, featuring an 11% increase in net interest income and a 20% surge in non-interest income.
Asset quality demonstrated remarkable improvement, with non-performing loans declining to 1.83% from 3.04% the previous year. Provision coverage strengthened significantly to 146.4%, indicating conservative risk management practices. The bank further bolstered its capital position through a Dh6.1 billion rights issue—the largest ever on the Abu Dhabi Securities Exchange—elevating its common equity tier 1 ratio to 13.79%.
Group Chief Executive Ala’a Eraiqat credited the bank’s strategic execution: ‘With a technology-driven model and a clear five-year roadmap, the Bank is well positioned to sustain strong performance and create long-term value for our shareholders, customers and communities.’ The board has recommended a cash dividend of Dh0.63 per share, representing a total payout of Dh4.985 billion.