Abu Dhabi Commercial Bank Management Discussion and Analysis Report for the Period Ended March 31,2026 | premargin
Abu Dhabi Commercial Bank Management Discussion and Analysis Report for the Period Ended March 31,2026
·ADX·Financial Reports | Management Discussion and Analysis Report·April 23, 2026·View on exchange
AI Summary
Abu Dhabi Commercial Bank (ADCB) reported a record Q1 2026 profit before tax of AED 3.781 billion, up 30% year-on-year, marking 19 consecutive quarters of profit growth.
Net profit after tax reached AED 3.361 billion with a return on average equity (RoAE) of 16.3% and a record low cost-to-income ratio of 25.6%.
Total assets grew 19% year-on-year to AED 809 billion, supported by an 18% increase in both net loans to customers (AED 426 billion) and customer deposits (AED 523 billion).
Asset quality improved as the non-performing loan (NPL) ratio declined to 1.76% from 2.24% a year earlier, while the Common Equity Tier 1 (CET1) ratio stood at 13.82%.