Image Credit: Forbes Middle East
ADCB’s Q2 Profit Rises 17% to $826 Million
Abu Dhabi Commercial Bank (ADCB) reported a 17% increase in profit before tax for the second quarter of 2025, reaching $826.3 million (AED 3 billion). After tax, the profit was $700 million (AED 2.56 billion), according to the bank’s latest report.
Q2 Highlights
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Net interest income (money earned from loans) rose 12% to $1 billion (AED 3.65 billion).
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Non-interest income (from fees and other services) jumped 44% to $560 million (AED 2.07 billion).
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Total operating income increased 22% to $1.55 billion (AED 5.72 billion).
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The cost-to-income ratio (a measure of efficiency) rose to 26.4%.
The bank credited these strong results to its new five-year strategy, tight control of expenses, and improvements from digital and AI technology.
First Half (H1) of 2025
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Profit before tax went up 18% to $1.6 billion (AED 5.9 billion).
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Net profit after tax reached $1.36 billion (AED 5 billion).
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Net interest income increased 7% to $1.9 billion (AED 7.04 billion).
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Non-interest income rose 36% to $1 billion (AED 3.69 billion).
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Total operating income was up 15% to $2.9 billion (AED 10.7 billion).
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The cost-to-income ratio improved to 27.7%.
ADCB’s total assets grew 17% to $195.7 billion (AED 719 billion), and net loans rose 14% to $102.9 billion (AED 378 billion).
ADCB Egypt
ADCB Egypt saw a 39% increase in net profit in the first half of 2025, reaching $52.7 million (EGP 2.6 billion), thanks to strong loan growth. Loans rose 53% to $1.3 billion (EGP 65 billion), and deposits grew 34% to $2.7 billion (EGP 133 billion).
Future Goals
ADCB plans to double its net profit to $5.45 billion (AED 20 billion) over the next five years, with a yearly growth of 20%. It also plans to pay $6.8 billion (AED 25 billion) in dividends during this period.
Published: 15th July 2025
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