ADCB Achieves AED 9.108 Billion Profit Before Tax In First Nine Months Of 2025

Abu Dhabi Commercial Bank PJSC (ADCB) has announced its financial results for the third quarter and the first nine months of 2025. The bank has achieved a remarkable 17 consecutive quarters of profit-before-tax growth. This success is attributed to strong top-line growth and a significant improvement in the cost-to-income ratio, which decreased by 460 basis points year-on-year to 27.6% in Q3’25.

ADCB's performance reflects its strategic focus on technology-driven transformation, aiming to enhance service delivery and long-term value creation. The bank's profit before tax for the nine-month period increased by 18% year-on-year, reaching AED 9.108 billion, with a return on average equity post-tax of 14.7%. This aligns with their full-year RoAE guidance of approximately 15% for 2025.

The bank's disciplined approach to risk management has led to substantial growth in loans and deposits. Over the past year, net loans have risen by AED 57 billion (17%), surpassing AED 400 billion. Customer deposits have also increased by AED 76 billion (19%) to reach AED 482 billion, including a significant inflow of AED 47 billion in current and savings account deposits.

ADCB's total assets have grown by 17% year-on-year to AED 744 billion, with net loans increasing by AED 51 billion (14%) year-to-date. The bank's capital adequacy ratio stands at a robust 16.00%, while the Common Equity Tier 1 (CET1) ratio is at 12.70%. The liquidity coverage ratio is at a healthy level of 133.1%, and the loan-to-deposit ratio is maintained at 83.2%.

The bank has made significant strides in reducing its non-performing loan (NPL) ratio, which has improved to a record low of 1.86% from 3.04% at the end of December last year. Provision coverage has also increased substantially to 187.3%, up from 110.0%, and when including collateral, it reaches an impressive 289%.

ADCB continues to benefit from the UAE's dynamic economy, supported by investments in infrastructure, renewable energy, and advanced industries that drive private-sector growth and consumer confidence. The bank's diversified top-line growth strategy combines disciplined credit expansion with a broad range of products and services, resulting in higher fee income.

Non-Interest Income Surge

In the first nine months of this year, ADCB saw a notable increase in non-interest income, which surged by 34% year-on-year. Net interest income also rose by 12%, reflecting strong momentum across core business areas.

The bank's focus on digital-driven automation and process optimisation has contributed significantly to operational efficiencies, leading to an improved cost-to-income ratio of 27.7% for the nine-month period ending September.

This consistent performance underscores ADCB's commitment to executing its five-year strategy effectively while adapting to changes within the financial services sector.

With inputs from WAM