ADCB Reports 29% Profit Rise in Q3 to $844 Million, Income Up 25%
Abu Dhabi Commercial Bank (ADCB) earned a net profit of $844 million (AED 3.1 billion) in the third quarter, up 29% from last year. This marks the bank’s 17th straight quarter of profit growth, driven by strong gains in both interest and non-interest income.
Nine-month results
For the first nine months of 2025, ADCB made a profit of $2.2 billion (AED 8.1 billion), an 18% rise from the same period last year.
Operating income
Third-quarter operating income increased 25% to $1.6 billion (AED 5.9 billion). Net interest income rose 21% to $1 billion (AED 3.8 billion), while non-interest income jumped 32% to $571.8 million (AED 2.1 billion).
Assets and loans
At the end of September, total assets stood at $202.6 billion (AED 744 billion), up 17% from last year. Net loans increased 17% to $109.2 billion (AED 401 billion), and total customer deposits grew 19% to $131.2 billion (AED 482 billion).
Current and savings account (CASA) deposits surged 27% to $58.8 billion (AED 216 billion), making up 45% of total deposits.
Income breakdown
For the first nine months, net fees and commissions grew 14%, trading income rose 28%, and other income increased thanks to gains from loan sales and hedging.
In the third quarter alone, fees and commissions were $264.4 million (AED 971 million), up 12%, while trading income reached $176.4 million (AED 648 million), up 4% year-on-year.
Business segments
ADCB’s corporate and investment banking added 1,800 new clients in Q3, with strong lending to government entities, multinationals, and SMEs. International loans grew 35% this year and now make up 25% of total loans.
The private banking and wealth management division also performed well, with assets under management up 47% in the past year.
Capital growth
In October, ADCB launched a $1.7 billion (AED 6.1 billion) rights issue to support future growth and maintain a strong capital buffer. Major shareholder Mubadala Investment Company confirmed it will fully take part in the offering. The move will improve ADCB’s capital ratios by about 120 basis points.
Looking ahead
ADCB aims to double its net profit to $5.4 billion (AED 20 billion) within five years. The bank is also rolling out an AI transformation program expected to create $1.1 billion (AED 4 billion) in value through better revenue, cost savings, and risk management.
Published: 28th October 2025
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