Abu Dhabi Commercial Bank (ADCB) has announced impressive financial results for the third quarter of 2025, with a net profit of Dh3.09 billion, reflecting a 29% year-on-year increase. The bank’s profit before tax also rose by 18% to Dh3.17 billion. Over the nine-month period, ADCB achieved a net profit of Dh8.1 billion, an 18% increase compared to the same period in 2024. This strong performance was driven by a 25% year-on-year growth in operating income, which reached Dh5.88 billion for Q3. Non-interest income surged by 32% to Dh2.07 billion, while net interest income grew by 21% to Dh3.81 billion. The bank’s cost-to-income ratio improved significantly to 27.6%, attributed to digital automation and operational efficiencies. ADCB’s balance sheet remained robust, with total assets increasing by 17% to Dh744 billion. Net loans grew by 17% to Dh401 billion, and customer deposits rose by 19% to Dh482 billion, supported by a 27% increase in current and savings account (CASA) deposits. The bank’s capital adequacy ratio stood at 16%, with a Common Equity Tier 1 (CET1) ratio of 12.7%. The non-performing loan (NPL) ratio improved to a record low of 1.86%, while provision coverage increased to 187.3%. In a strategic move to bolster future growth, ADCB launched an AI transformation program aimed at unlocking Dh4 billion in financial value through enhanced revenue, cost efficiencies, and risk management. The initiative will also improve customer experience, fraud detection, and cybersecurity. ADCB’s retail and corporate banking divisions continued to perform strongly, with retail banking adding over 80,000 new customers in Q3, 67% of whom were acquired digitally. CASA deposits in retail rose by Dh18 billion year-on-year, while Islamic financing accounted for 59% of new loan acquisitions. Corporate and investment banking expanded its international footprint, with loans outside the UAE rising by 35% year-to-date. ADCB also announced a rights issue to raise up to Dh6.1 billion, with Mubadala Investment Company PJSC, the bank’s majority shareholder, confirming full participation. ADCB Egypt contributed significantly to the group’s performance, posting a net profit of EGP 3.86 billion for the first nine months of 2025, a 31% year-on-year increase, with loan growth of 50%. The bank’s commitment to sustainability and national priorities was highlighted in its 2025 Green Bond Report, which showed a 19% increase in its Eligible Green Loan Portfolio. ADCB also received the Nafis Diamond Award for its Emiratisation efforts, with UAE nationals comprising 40% of its workforce and 98% of branch managers. Looking ahead, ADCB remains focused on its five-year strategy to double net profit to Dh20 billion, targeting a return on equity of around 15% for the full year. With continued investment in digital and AI capabilities, the bank is positioning itself as a data-led institution ready to deliver long-term value for shareholders and contribute to the UAE’s dynamic economy.
ADCB posts strong Q3 earnings, launches AI transformation to drive future growth
