Abu Dhabi Islamic Bank (ADIB) Q3 2025 earnings summary

Executive summary

• Net income before tax reached AED 6.1 billion for Q3 2025, up 16% year-on-year, with after-tax profit at AED 5.3 billion, and ROE at 29.8%.

• Revenue grew 14% year-on-year to AED 9.1 billion, with non-funded income now 40% of total income.

• Customer base expanded by 225,000 net new clients since the start of 2025.

• Total assets reached AED 270 billion, marking a 20% year-on-year increase, with customer financing up 26%.

• Asset quality improved, with NPA ratio at 3.3%, the lowest since 2016.

Financial highlights

• Net profit for nine months was AED 5.3 billion, up 15% year-on-year; Q3 net profit was AED 1.8 billion, up 14%.

• Revenue base increased to AED 9.1 billion, with expenses up 11%, resulting in positive jaws.

• Non-funded income rose 17% year-on-year to AED 3.6 billion, now comprising 40% of total revenue.

• Fee and commission income increased 18% year-on-year; investment income up 33%; FX income up 60%.

• Operating profit margin improved 16% year-on-year to AED 6.5 billion.

Outlook and guidance

• Customer financing growth guidance revised upward to above 20% for the full year.

• Net profit margin guidance maintained at 4%-4.5%; current YTD at 4.17%.

• Cost of risk guidance unchanged at 40-60 basis points; current at 46 bps.

• Cost-to-income ratio expected to remain below 30%.

• Return on equity guidance above 25%, with current levels near 30%.