Abu Dhabi Commercial Bank (ADCB) said net profit after tax recorded double-digit growth year on year in 2025, supported by higher operating income and its loan Abu Dhabi Commercial Bank (ADCB) said net profit after tax recorded double-digit growth year on year in 2025, supported by higher operating income and its loan

ADCB records $3bn earnings on higher operating income

2026/01/29 22:38
2 min read
  • Operating income rose 14%
  • Assets grew by 19%
  • Proposed dividend of AED5bn

Abu Dhabi Commercial Bank (ADCB) said net profit after tax recorded double-digit growth year on year in 2025, supported by higher operating income and its loan book.

The bottom line was AED11.4 billion ($3.10 billion) last year, representing 22 percent annual growth, the lender said in a statement to the Abu Dhabi Securities Exchange.

Operating income rose by 14 percent, driven by double-digit growth in both net interest income and fee income.

Net interest income jumped 9 percent to AED12 billion. Non-interest income rose 32 percent to AED2.1 billion.

Assets grew by 19 percent to AED744 billion. Net loans were AED406 billion, up 16 percent, while deposits went up 19 percent to AED500 billion.

The bank’s non-performing loan ratio improved to 1.83 percent last year, from 3.04 percent in 2024, underlining the conservative risk management and strong recovery efforts.

Further reading:

  • ADCB rights issue draws $3.3bn funding commitment
  • Tax change may spur Emirati companies to focus on home
  • UAE banks lean on fees as lending margins narrow

Chairman Khaldoon Al Mubarak said the bank’s market capitalisation now exceeds AED100 billion with a 12-month total shareholder return of 46 percent.

The board has recommended a dividend of AED0.63 per share for 2025, which would give a total payout of nearly AED5 billion, or 44 percent of net profit. The dividend payment is subject to approval from regulators and shareholders.

ADCB is majority-owned by the state-run Abu Dhabi Investment Council. 

The lender’s shares closed 1.7 percent lower at AED16.1 on Thursday. The stock is up 13 percent so far this year.

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