Post by : Badri Ariffin

Abu Dhabi Commercial Bank (ADCB) has once again demonstrated its resilience and strategic foresight, reporting a remarkable 17th consecutive quarter of profit-before-tax growth in Q3 2025. The bank’s disciplined approach to performance, coupled with digital-driven efficiency, has positioned it as a leading player in the UAE’s financial sector.

For the first nine months of 2025, ADCB recorded a profit before tax of AED 9.108 billion, marking an 18% increase year on year. Third-quarter profit alone reached AED 3.166 billion, reflecting sustained top-line growth and operational efficiency. The bank’s cost-to-income ratio showed a significant improvement, falling 460 basis points YoY to 27.6% in Q3, highlighting gains from automation, process optimization, and digital transformation initiatives.

ADCB’s top-line growth was broad-based, with net interest income up 12% and non-interest income surging 34% year on year. Net loans expanded AED 57 billion (17%) YoY to exceed AED 400 billion, while total customer deposits climbed AED 76 billion (19%) to AED 482 billion. CASA deposits alone rose 27% YoY, signaling strong customer trust and franchise strength. Total assets stood at AED 744 billion, up 17% YoY and 14% YTD, underpinning the bank’s robust balance sheet.

The bank also reported healthy capital and liquidity positions, with a CET1 ratio of 12.7%, capital adequacy at 16%, and a liquidity coverage ratio of 133.1%. ADCB maintained a disciplined lending approach, keeping the loan-to-deposit ratio at 83.2% while further improving asset quality. Non-performing loans (NPLs) fell to a record low of 1.86%, while provision coverage surged to 187.3%, or 289% including collateral.

Overall, ADCB’s results underscore a blend of strategic growth, operational efficiency, and risk-conscious lending, reflecting a strong financial foundation as the UAE economy continues to expand through investments in infrastructure, renewable energy, and advanced industries.

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