Abu Dhabi Commercial Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	9.56B	8.05B	26.07B	25.12B	19.17B
Total Assets	773.65B	652.81B	567.19B	497.84B	440.28B
Investment Securities	138.35B	112.79B	93.22B	91.29B	78.59B
Trading Assets	36.84B	31.81B	23.83B	19.59B	8.19B
Gross Loans	442.37B	391.26B	341.00B	296.81B	276.06B
Net Loans	434.33B	381.32B	330.18B	284.93B	265.19B
Allowance for Loan Losses	-8.04B	-9.94B	-10.81B	-11.89B	-10.87B
Liabilities
Total Deposits	518.86B	432.34B	371.70B	318.65B	272.26B
Interest-Bearing Deposits	339.83B	282.76B	234.25B	196.22B	154.35B
Non-Interest-Bearing Deposits	179.03B	149.57B	137.45B	122.43B	117.91B
Total Debt	127.05B	118.89B	100.84B	92.32B	85.55B
Total Liabilities	684.91B	577.25B	495.94B	436.42B	380.91B
Equity & Ownership
Total Equity	88.74B	75.57B	71.25B	61.43B	59.37B
Shares Outstanding	7,895,175,710	7,311,282,705	7,318,133,373	7,310,016,910	7,310,016,910
Cash & Assets
Total Assets	773.65B	652.81B	567.19B	497.84B	440.28B
Cash & Equivalents	9.56B	8.05B	26.07B	25.12B	19.17B
Net Cash (Debt)	-64.25B	-64.07B	-47.06B	-42.07B	-52.81B
Net Cash Per Share	-8.57	-8.56	-6.43	-5.75	-7.21
Other Receivables	22.18B	11.31B	1.08B	0.86B	1.56B
Restricted Cash	35.15B	27.31B	20.81B	13.60B	12.21B
Property, Plant & Equipment	0.96B	1.19B	1.89B	1.94B	2.06B
Goodwill	6.75B	6.75B	6.75B	6.75B	6.75B
Other Intangible Assets	904.00M	918.00M	295.67M	398.68M	541.17M
Investments in Real Estate	1.19B	1.72B	1.74B	1.69B	1.67B
Other Current Assets	34.19B	17.27B	16.38B	20.69B	17.73B
Other Long-Term Assets	46.91B	47.19B	40.39B	27.64B	24.16B
Long-Term Leases	268.00M	157.00M	168.03M	225.60M	286.32M
Loans & Investments
Gross Loans	442.37B	391.26B	341.00B	296.81B	276.06B
Net Loans	434.33B	381.32B	330.18B	284.93B	265.19B
Allowance for Loan Losses	-8.04B	-9.94B	-10.81B	-11.89B	-10.87B
Investment Securities	138.35B	112.79B	93.22B	91.29B	78.59B
Trading Asset Securities	36.84B	31.81B	23.83B	19.59B	8.19B
Total Investments	175.19B	144.60B	117.05B	110.88B	86.79B
Liabilities & Obligations
Total Liabilities	684.91B	577.25B	495.94B	436.42B	380.91B
Total Liabilities & Equity	773.65B	652.81B	567.19B	497.84B	440.28B
Accrued Interest Payable	3.82B	4.20B	3.14B	1.84B	0.68B
Accrued Interest Receivable	6.33B	5.20B	4.54B	3.34B	2.43B
Long-Term Unearned Revenue	1.90B	1.29B	1.12B	0.84B	0.81B
Other Current Liabilities	26.54B	13.53B	13.73B	17.56B	16.75B
Other Long-Term Liabilities	6.21B	6.49B	4.95B	4.69B	4.28B
Pension & Post-Retirement Benefits	528.00M	518.00M	467.43M	511.91M	594.72M
Debt & Funding
Total Debt	127.05B	118.89B	100.84B	92.32B	85.55B
Current Portion of Long-Term Debt	48.20B	43.99B	39.50B	29.11B	20.98B
Long-Term Debt	41.60B	44.70B	37.15B	40.76B	51.52B
Short-Term Borrowings	36.98B	30.04B	24.02B	22.22B	12.76B
Total Deposits	518.86B	432.34B	371.70B	318.65B	272.26B
Interest Bearing Deposits	339.83B	282.76B	234.25B	196.22B	154.35B
Non-Interest Bearing Deposits	179.03B	149.57B	137.45B	122.43B	117.91B
Equity & Book Value
Shareholders' Equity	88.74B	75.57B	71.25B	61.43B	59.37B
Total Common Equity	88.74B	75.56B	71.25B	61.42B	59.36B
Common Stock	7.91B	7.32B	7.32B	6.96B	6.96B
Additional Paid-In Capital	17.88B	17.88B	17.88B	17.88B	17.88B
Retained Earnings	54.91B	42.99B	38.38B	32.14B	28.35B
Comprehensive Income & Other	8.04B	7.37B	7.67B	4.44B	6.18B
Minority Interest	4.00M	5.00M	6.87M	7.76M	10.23M
Book Value Per Share	10.13	9.14	8.54	7.58	7.30
Tangible Book Value	81.08B	67.89B	64.20B	54.27B	52.07B
Tangible Book Value Per Share	9.16	8.09	7.58	6.60	6.30
Filing Date Shares Outstanding	7.90B	7.31B	7.32B	7.31B	7.31B
Total Common Shares Outstanding	7.90B	7.31B	7.32B	7.31B	7.31B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	9.56B	8.05B	26.07B	25.12B	19.17B
Total Assets	773.65B	652.81B	567.19B	497.84B	440.28B
Investment Securities	138.35B	112.79B	93.22B	91.29B	78.59B
Trading Assets	36.84B	31.81B	23.83B	19.59B	8.19B
Gross Loans	442.37B	391.26B	341.00B	296.81B	276.06B
Net Loans	434.33B	381.32B	330.18B	284.93B	265.19B
Allowance for Loan Losses	-8.04B	-9.94B	-10.81B	-11.89B	-10.87B
Liabilities
Total Deposits	518.86B	432.34B	371.70B	318.65B	272.26B
Interest-Bearing Deposits	339.83B	282.76B	234.25B	196.22B	154.35B
Non-Interest-Bearing Deposits	179.03B	149.57B	137.45B	122.43B	117.91B
Total Debt	127.05B	118.89B	100.84B	92.32B	85.55B
Total Liabilities	684.91B	577.25B	495.94B	436.42B	380.91B
Equity & Ownership
Total Equity	88.74B	75.57B	71.25B	61.43B	59.37B
Shares Outstanding	7,895,175,710	7,311,282,705	7,318,133,373	7,310,016,910	7,310,016,910
Cash & Assets
Total Assets	773.65B	652.81B	567.19B	497.84B	440.28B
Cash & Equivalents	9.56B	8.05B	26.07B	25.12B	19.17B
Net Cash (Debt)	-64.25B	-64.07B	-47.06B	-42.07B	-52.81B
Net Cash Per Share	-8.57	-8.56	-6.43	-5.75	-7.21
Other Receivables	22.18B	11.31B	1.08B	0.86B	1.56B
Restricted Cash	35.15B	27.31B	20.81B	13.60B	12.21B
Property, Plant & Equipment	0.96B	1.19B	1.89B	1.94B	2.06B
Goodwill	6.75B	6.75B	6.75B	6.75B	6.75B
Other Intangible Assets	904.00M	918.00M	295.67M	398.68M	541.17M
Investments in Real Estate	1.19B	1.72B	1.74B	1.69B	1.67B
Other Current Assets	34.19B	17.27B	16.38B	20.69B	17.73B
Other Long-Term Assets	46.91B	47.19B	40.39B	27.64B	24.16B
Long-Term Leases	268.00M	157.00M	168.03M	225.60M	286.32M
Loans & Investments
Gross Loans	442.37B	391.26B	341.00B	296.81B	276.06B
Net Loans	434.33B	381.32B	330.18B	284.93B	265.19B
Allowance for Loan Losses	-8.04B	-9.94B	-10.81B	-11.89B	-10.87B
Investment Securities	138.35B	112.79B	93.22B	91.29B	78.59B
Trading Asset Securities	36.84B	31.81B	23.83B	19.59B	8.19B
Total Investments	175.19B	144.60B	117.05B	110.88B	86.79B
Liabilities & Obligations
Total Liabilities	684.91B	577.25B	495.94B	436.42B	380.91B
Total Liabilities & Equity	773.65B	652.81B	567.19B	497.84B	440.28B
Accrued Interest Payable	3.82B	4.20B	3.14B	1.84B	0.68B
Accrued Interest Receivable	6.33B	5.20B	4.54B	3.34B	2.43B
Long-Term Unearned Revenue	1.90B	1.29B	1.12B	0.84B	0.81B
Other Current Liabilities	26.54B	13.53B	13.73B	17.56B	16.75B
Other Long-Term Liabilities	6.21B	6.49B	4.95B	4.69B	4.28B
Pension & Post-Retirement Benefits	528.00M	518.00M	467.43M	511.91M	594.72M
Debt & Funding
Total Debt	127.05B	118.89B	100.84B	92.32B	85.55B
Current Portion of Long-Term Debt	48.20B	43.99B	39.50B	29.11B	20.98B
Long-Term Debt	41.60B	44.70B	37.15B	40.76B	51.52B
Short-Term Borrowings	36.98B	30.04B	24.02B	22.22B	12.76B
Total Deposits	518.86B	432.34B	371.70B	318.65B	272.26B
Interest Bearing Deposits	339.83B	282.76B	234.25B	196.22B	154.35B
Non-Interest Bearing Deposits	179.03B	149.57B	137.45B	122.43B	117.91B
Equity & Book Value
Shareholders' Equity	88.74B	75.57B	71.25B	61.43B	59.37B
Total Common Equity	88.74B	75.56B	71.25B	61.42B	59.36B
Common Stock	7.91B	7.32B	7.32B	6.96B	6.96B
Additional Paid-In Capital	17.88B	17.88B	17.88B	17.88B	17.88B
Retained Earnings	54.91B	42.99B	38.38B	32.14B	28.35B
Comprehensive Income & Other	8.04B	7.37B	7.67B	4.44B	6.18B
Minority Interest	4.00M	5.00M	6.87M	7.76M	10.23M
Book Value Per Share	10.13	9.14	8.54	7.58	7.30
Tangible Book Value	81.08B	67.89B	64.20B	54.27B	52.07B
Tangible Book Value Per Share	9.16	8.09	7.58	6.60	6.30
Filing Date Shares Outstanding	7.90B	7.31B	7.32B	7.31B	7.31B
Total Common Shares Outstanding	7.90B	7.31B	7.32B	7.31B	7.31B