Abu Dhabi Commercial Bank (ADCB) investor relations material

Executive summary

• Achieved record net profit after tax of AED 11.445 billion for 2025, up 22% year-over-year, with 18 consecutive quarters of profit growth and a return on average equity of 15.3%.

• Q4 net profit after tax reached AED 3.342 billion, up 30% year-over-year, reflecting continued business momentum.

• Board recommended a cash dividend of AED 0.63 per share, totaling AED 4.99 billion, or 44% of net profit, subject to shareholder approval.

• Successfully completed a landmark AED 6.1 billion rights issue, strengthening capital for future growth.

• Consolidated financial statements for 2025 were audited and present a fair view in accordance with IFRS, subject to regulatory and shareholder approval.

Financial highlights

• Operating income rose 14% year-over-year to AED 22.2 billion, with net interest income up 11% to AED 14.7 billion and non-interest income up 20% to AED 7.5 billion, now 34% of total operating income.

• Net loans increased 16% to AED 406 billion; customer deposits rose 19% to AED 500 billion, with CASA deposits making up 46% of total.

• Total assets increased to AED 774 billion from AED 652.8 billion year-over-year.

• Basic earnings per share increased to AED 1.45 from AED 1.17.

• Cost-to-income ratio improved to a record low of 28.2%.

Outlook and guidance

• Guidance for 2026 targets ROE above 15%, loan growth above 16%, and CET1 ratio above 12%.

• Five-year strategy aims to double net profit to AED 20 billion and cumulative dividend payout of AED 25 billion, with annual net profit growth of about 20%.

• Risk-adjusted NIM expected to remain stable or improve, with two rate cuts anticipated in 2026.

• Continued focus on digital and AI transformation to drive productivity and efficiency.

• The Group is assessing the impact of new IFRS standards effective from 2026 and 2027.