Abu Dhabi Commercial Bank reported net profit after tax of AED11.445 billion in FY2025, representing 22 per cent year-on-year growth. Meanwhile, fourth-quarter net profit reached AED3.342 billion, reinforcing the bank’s consistent earnings momentum.
Profit before tax increased by 21 per cent to AED12.843 billion during the year. As a result, the bank delivered its 18th consecutive quarter of profit before tax growth. In addition, Q4 profit before tax rose to AED3.736 billion, reflecting a 30 per cent increase compared with the same period last year.
Revenue momentum and efficiency gains
Operating income rose by 14 per cent in 2025. Moreover, revenue growth was supported by continued expansion in both net interest income and fee-based income streams. At the same time, operational efficiency improved, as the cost-to-income ratio declined to 28.2 per cent.
Therefore, stronger revenues combined with cost discipline contributed to higher profitability and reinforced earnings resilience throughout the year.
Balance sheet expansion and dividend proposal
On the balance sheet, total assets increased by 19 per cent year on year to AED774 billion. Additionally, net loans grew by 16 per cent to AED406 billion, while customer deposits rose by 19 per cent to AED500 billion, reflecting solid underlying business growth.
The bank also recommended a cash dividend of AED0.63 per share for 2025. Consequently, total proposed distributions amount to AED4.985 billion, equivalent to 44 per cent of net profit, subject to regulatory and shareholder approvals.
