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Abu Dhabi Commercial Bank
Abu Dhabi Commercial Bank (ADCB) investor relations material
Abu Dhabi Commercial Bank Investor Presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor Presentation summary10 Nov, 2025
Business overview and market position
Third-largest bank by total assets in the UAE, with AED 744 bn in assets and 16.7% market share in net loans as of September 2025.
Shareholding is dominated by Mubadala (60.69%), with increasing foreign investor participation at 19.99%.
Operates 41 UAE branches, 50 in Egypt, and maintains a presence in Kazakhstan.
Credit ratings upgraded to A+/Stable/A-1 by S&P and Fitch, with strong ESG ratings (MSCI AA, Sustainalytics 14.6 Low Risk).
Recognized for robust risk management, sound earnings, and industry-leading ESG and cybersecurity practices.
Financial performance highlights
Profit before tax rose 18% YoY to AED 9.108 bn for 9M'25, marking 17 consecutive quarters of growth.
Net interest income up 12% YoY; non-interest income surged 34% YoY, now 34.7% of total operating income.
Cost-to-income ratio improved to 27.7% in 9M'25, reflecting digital-driven efficiencies and cost discipline.
Net loans increased 17% YoY to AED 401 bn; customer deposits up 19% YoY to AED 482 bn, with CASA deposits rising 27% YoY.
NPL ratio reached a record low of 1.86%, with provision coverage ratio at 289%.
Balance sheet and risk profile
Maintains robust capital ratios: CET1 at 12.7% and CAR at 16.0% as of September 2025.
Well-diversified lending portfolio, with 25% of gross loans outside the UAE and strong growth in key sectors.
Real estate exposure tightly managed, with commercial real estate at 12% of gross loans and strict underwriting policies.
Investment securities portfolio grew 13% YoY to AED 159 bn, 99.6% in bonds, with 91% rated A- or better.
Retail portfolio outperforms market in delinquency rates across all major loan categories.
Impact of IAE on ADCB's tax rate
Detail AI program's AED 4bn value drivers
Reason for 2025 CoR guidance increase?
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Next Abu Dhabi Commercial Bank earnings date
Q4 202527 Jan, 2026
Abu Dhabi Commercial Bank
Next Abu Dhabi Commercial Bank earnings date
Q4 202527 Jan, 2026
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