ADCB Reports Net Income of $810 Million in Q2-2025

Beating the LSEG analysts’ expectations of $630 million, the Abu Dhabi Commercial Bank (ADCB) has reported a 10.8% y-o-y increase in net income to $710 million in the second quarter (April-June) of 2025.

The operating income rose 21.5% y-o-y to $1.55 billion, with net interest income up 12% y-o-y to $1.01 billion, ADCB said in a regulatory filing with Abu Dhabi Securities Exchange (ADX) on Monday evening.

On a sixth month basis, the bank’s bottom line came in at $1.36 billion, up 12.5% y-o-y. Its operating income was up 15.5% y-o-y to $2.91 billion, ADCB said in the filing. “The balance sheet growth remains strong amid healthy consumer and business confidence and ample system liquidity,” ADCB said.

The bank also cited strong performance across its key operations, as well as growth in the energy, financial institutions, transport, comms, and trading sectors, as driving the results. Its total assets also grew during 1H, rising 17% y-o-y to $195.78 billion.

ADCB has delivered strong and consistent progress on its strategic agenda in the context of favourable economic conditions in the UAE.

Profit before tax increased 17% y-o-y to reach $830 million in the second quarter, extending the bank’s track record of consecutive quarterly growth to four years, and rose 18% y-o-y to $1.62 billion in the first six months of this year delivering a return to an equity of 14.9% and 14.1% respectively.

Exceptional Performance

In the first six months of 2025, ADCB achieved an exceptional underlying operational and financial performance across all core businesses, generating a 22% y-o-y increase in operating profit.

Driven by a clear focus to reach the ambitious targets set out in the recently launched five-year strategy, the bank has delivered double-digit revenue growth powered by diverse sources of non-interest income, continued robust credit expansion across major economic sectors, and attracted substantial inflows of CASA deposits.

Above all, this strong growth trajectory is marked by disciplined cost management and compounding productivity gains from digital and AI transformation. This step-change in efficiency has improved the cost-to-income ratio to an all-time quarterly low of 26.4% in the second quarter – a reduction of 620 basis points year on year, ADCB said.

ADCB remains firmly focused on delivering sustainable growth through disciplined capital deployment and prudent risk management. With strong business fundamentals, the Bank is well positioned to create significant value and consistent returns for shareholders through close alignment with the ongoing growth and diversification of the UAE economy.