ADCB Reports AED 8.1 Billion Net Profit for Nine Months of 2025; Q3 Net Profit Reaches AED 3.1 Billion
Abu Dhabi, UAE
27 October 2025:
Abu Dhabi Commercial Bank PJSC (ADCB) today announced nine-month 2025 net profit after tax of AED 8.104 billion and profit before tax of AED 9.108 billion (up 18% YoY). In Q3 2025, net profit after tax was AED 3.090 billion and profit before tax AED 3.166 billion (up 18% YoY), marking 17 consecutive quarters of profit-before-tax growth.
Q3 operating income rose 25% YoY to AED 5.875 billion, driven by net interest income of AED 3.806 billion (+21% YoY) and non-interest income of AED 2.068 billion (+32% YoY), while the cost-to-income ratio improved to 27.6%.
ADCB’s balance sheet remained robust with total assets of AED 744 billion (+17% YoY), net loans of AED 401 billion (+17% YoY), and customer deposits of AED 482 billion (+19% YoY), of which CASA accounted for 45%. The NPL ratio improved to 1.86% with provision coverage of 187.3%.
ADCB also highlighted its AI transformation programme targeting AED 4 billion in value creation over the next few years, alongside continued progress on sustainability and Emiratisation initiatives.
To read the full report please visit: https://www.adcb.com/en/multimedia/pdfs/2025/october/Earnings-PressRelease-Q3-2025.pdf
