Abu dhabi: Abu Dhabi Commercial Bank PJSC (ADCB) today announced its financial results for the third quarter and the nine-month period of 2025, marking a significant achievement in its financial performance.
According to Emirates News Agency, ADCB Group has showcased robust progress in the third quarter of 2025, recording 17 consecutive quarters of profit-before-tax growth. This achievement is in line with the Bank’s five-year strategic goals. As a pioneering technology-driven entity in the financial services sector, ADCB is advancing its structural transformation, focusing on delivering service excellence and creating long-term value.
The Bank’s profit before tax for the nine-month period rose by 18% year on year, totaling AED 9.108 billion. The return on average equity (RoAE) post-tax stood at 14.7%, aligning with the full-year 2025 RoAE guidance of approximately 15%. The third quarter alone saw an 18% year-on-year increase in profit before tax, reaching AED 3.166 billion. This performance is attributed to ADCB’s strategic focus on growth, productivity, and future investments. The cost to income ratio improved by 420 basis points year on year to 27.7% in 9M’25, driven by digital automation, process optimization, and operational efficiencies.
ADCB’s diversified top-line growth is evident through disciplined credit expansion and a comprehensive product and service offering, which helped drive higher fee income. Non-interest income increased by 34% year on year in the first nine months, while net interest income rose by 12%, demonstrating strong momentum across the Bank’s core businesses.
Operating in a thriving UAE economy, ADCB benefits from strong economic fundamentals, including infrastructure investments, renewable energy advancements, and robust consumer confidence. Over the past year, the Bank’s net loans increased by AED 57 billion (17%), surpassing the AED 400 billion mark. Customer deposits rose by AED 76 billion (19%) to AED 482 billion, with a notable inflow of AED 47 billion in CASA deposits, underscoring the strength of ADCB’s franchise.
The Bank’s disciplined risk management approach continues to characterize its loan growth. ADCB’s franchise strength is demonstrated by the net loan growth of AED 57 billion (+17%) and deposits growth of AED 76 billion (+19%) year on year, amid a backdrop of strong UAE economic fundamentals. Total assets reached AED 744 billion, representing a 17% year-on-year increase and a 14% year-to-date increase.
Net loans of AED 401 billion increased by 17% year on year (AED 57 billion) and 14% year to date (AED 51 billion). Total customer deposits of AED 482 billion grew by 19% year on year (AED 76 billion) and 15% year to date (AED 61 billion). CASA deposits increased by 27% year on year (AED 47 billion) and 16% year to date (AED 30 billion), totaling AED 216 billion by the end of September and accounting for 45% of total customer deposits. The Bank’s capital adequacy and Common Equity Tier 1 (CET1) ratios were 16.00% and 12.70% respectively. The liquidity coverage ratio (LCR) stood at 133.1%, and the loan to deposit (LTD) ratio was 83.2%. The non-performing loan (NPL) ratio further improved to a new record low of 1.86% from 3.04% at the end of December. The provision coverage ratio significantly increased to 187.3%, up from 110.0% at December-end, and reached 289% when including collateral.