Abu Dhabi Commercial Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q2 2026Jun 30, 2026	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025
Assets
Cash & Equivalents	56.56B	9.81B	9.56B	9.59B	8.02B
Total Assets	833.18B	808.86B	773.65B	744.27B	718.50B
Investment Securities	171.06B	118.42B	138.35B	129.14B	127.48B
Trading Assets	44.90B	39.97B	36.84B	32.47B	34.51B
Gross Loans	—	457.33B	442.37B	447.24B	424.82B
Net Loans	—	448.89B	434.33B	435.06B	413.61B
Allowance for Loan Losses	—	-8.44B	-8.04B	-12.18B	-11.21B
Liabilities
Total Deposits	552.41B	542.67B	518.86B	498.92B	479.70B
Interest-Bearing Deposits	552.41B	354.65B	339.83B	332.62B	317.77B
Non-Interest-Bearing Deposits	—	188.02B	179.03B	166.30B	161.92B
Total Debt	148.18B	142.38B	127.05B	128.69B	127.09B
Total Liabilities	743.93B	723.08B	684.91B	664.76B	642.25B
Equity & Ownership
Total Equity	89.25B	85.77B	88.74B	79.51B	76.25B
Shares Outstanding	8,038,095,238	8,393,612,078	7,895,175,710	7,270,122,000	7,283,842,000
Cash & Assets
Total Assets	833.18B	808.86B	773.65B	744.27B	718.50B
Cash & Equivalents	56.56B	9.81B	9.56B	9.59B	8.02B
Net Cash (Debt)	-46.73B	-71.92B	-64.25B	-71.34B	-68.90B
Net Cash Per Share	-5.67	-8.56	-8.01	-9.75	-9.41
Other Receivables	67.16B	38.87B	22.18B	9.39B	15.98B
Restricted Cash	—	37.00B	35.15B	33.76B	31.71B
Property, Plant & Equipment	0.91B	0.92B	0.96B	0.93B	0.83B
Goodwill	—	—	6.75B	—	—
Other Intangible Assets	7.69B	7.66B	0.90B	7.67B	7.69B
Investments in Real Estate	0.81B	0.81B	1.19B	1.53B	1.69B
Other Current Assets	—	33.78B	34.19B	30.58B	26.39B
Other Long-Term Assets	39.51B	65.75B	46.91B	47.98B	44.82B
Loans Held for Sale	444.60B	—	—	—	—
Long-Term Leases	—	257.00M	268.00M	242.14M	139.27M
Loans & Investments
Gross Loans	—	457.33B	442.37B	447.24B	424.82B
Net Loans	—	448.89B	434.33B	435.06B	413.61B
Allowance for Loan Losses	—	-8.44B	-8.04B	-12.18B	-11.21B
Investment Securities	171.06B	118.42B	138.35B	129.14B	127.48B
Trading Asset Securities	44.90B	39.97B	36.84B	32.47B	34.51B
Total Investments	215.96B	158.39B	175.19B	161.60B	162.00B
Liabilities & Obligations
Total Liabilities	743.93B	723.08B	684.91B	664.76B	642.25B
Total Liabilities & Equity	833.18B	808.86B	773.65B	744.27B	718.50B
Accrued Interest Payable	—	3.86B	3.82B	4.54B	4.36B
Accrued Interest Receivable	—	6.98B	6.33B	6.17B	5.77B
Long-Term Unearned Revenue	—	1.92B	1.90B	1.63B	1.52B
Other Current Liabilities	—	25.27B	26.54B	24.58B	21.08B
Other Long-Term Liabilities	43.33B	6.43B	6.21B	5.90B	8.01B
Pension & Post-Retirement Benefits	—	552.00M	528.00M	487.81M	495.52M
Debt & Funding
Total Debt	148.18B	142.38B	127.05B	128.69B	127.09B
Current Portion of Long-Term Debt	—	67.42B	48.20B	49.04B	41.90B
Long-Term Debt	111.62B	40.41B	41.60B	45.11B	47.47B
Short-Term Borrowings	36.56B	34.30B	36.98B	34.30B	37.58B
Total Deposits	552.41B	542.67B	518.86B	498.92B	479.70B
Interest Bearing Deposits	552.41B	354.65B	339.83B	332.62B	317.77B
Non-Interest Bearing Deposits	—	188.02B	179.03B	166.30B	161.92B
Equity & Book Value
Shareholders' Equity	89.25B	85.77B	88.74B	79.51B	76.25B
Total Common Equity	89.25B	85.77B	88.74B	79.51B	76.24B
Common Stock	7.91B	7.91B	7.91B	7.32B	7.32B
Additional Paid-In Capital	17.88B	17.88B	17.88B	17.88B	17.88B
Retained Earnings	36.80B	53.09B	54.91B	46.20B	43.31B
Comprehensive Income & Other	26.66B	6.89B	8.04B	8.11B	7.74B
Minority Interest	4.00M	4.00M	4.00M	4.10M	4.01M
Book Value Per Share	11.10	10.91	10.13	9.73	9.27
Tangible Book Value	81.56B	78.11B	81.08B	71.83B	68.56B
Tangible Book Value Per Share	10.15	9.93	9.16	8.68	8.21
Filing Date Shares Outstanding	8.04B	8.39B	7.90B	7.27B	7.28B
Total Common Shares Outstanding	8.04B	8.39B	7.90B	7.27B	7.28B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q2 2026Jun 30, 2026	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025
Assets
Cash & Equivalents	56.56B	9.81B	9.56B	9.59B	8.02B
Total Assets	833.18B	808.86B	773.65B	744.27B	718.50B
Investment Securities	171.06B	118.42B	138.35B	129.14B	127.48B
Trading Assets	44.90B	39.97B	36.84B	32.47B	34.51B
Gross Loans	—	457.33B	442.37B	447.24B	424.82B
Net Loans	—	448.89B	434.33B	435.06B	413.61B
Allowance for Loan Losses	—	-8.44B	-8.04B	-12.18B	-11.21B
Liabilities
Total Deposits	552.41B	542.67B	518.86B	498.92B	479.70B
Interest-Bearing Deposits	552.41B	354.65B	339.83B	332.62B	317.77B
Non-Interest-Bearing Deposits	—	188.02B	179.03B	166.30B	161.92B
Total Debt	148.18B	142.38B	127.05B	128.69B	127.09B
Total Liabilities	743.93B	723.08B	684.91B	664.76B	642.25B
Equity & Ownership
Total Equity	89.25B	85.77B	88.74B	79.51B	76.25B
Shares Outstanding	8,038,095,238	8,393,612,078	7,895,175,710	7,270,122,000	7,283,842,000
Cash & Assets
Total Assets	833.18B	808.86B	773.65B	744.27B	718.50B
Cash & Equivalents	56.56B	9.81B	9.56B	9.59B	8.02B
Net Cash (Debt)	-46.73B	-71.92B	-64.25B	-71.34B	-68.90B
Net Cash Per Share	-5.67	-8.56	-8.01	-9.75	-9.41
Other Receivables	67.16B	38.87B	22.18B	9.39B	15.98B
Restricted Cash	—	37.00B	35.15B	33.76B	31.71B
Property, Plant & Equipment	0.91B	0.92B	0.96B	0.93B	0.83B
Goodwill	—	—	6.75B	—	—
Other Intangible Assets	7.69B	7.66B	0.90B	7.67B	7.69B
Investments in Real Estate	0.81B	0.81B	1.19B	1.53B	1.69B
Other Current Assets	—	33.78B	34.19B	30.58B	26.39B
Other Long-Term Assets	39.51B	65.75B	46.91B	47.98B	44.82B
Loans Held for Sale	444.60B	—	—	—	—
Long-Term Leases	—	257.00M	268.00M	242.14M	139.27M
Loans & Investments
Gross Loans	—	457.33B	442.37B	447.24B	424.82B
Net Loans	—	448.89B	434.33B	435.06B	413.61B
Allowance for Loan Losses	—	-8.44B	-8.04B	-12.18B	-11.21B
Investment Securities	171.06B	118.42B	138.35B	129.14B	127.48B
Trading Asset Securities	44.90B	39.97B	36.84B	32.47B	34.51B
Total Investments	215.96B	158.39B	175.19B	161.60B	162.00B
Liabilities & Obligations
Total Liabilities	743.93B	723.08B	684.91B	664.76B	642.25B
Total Liabilities & Equity	833.18B	808.86B	773.65B	744.27B	718.50B
Accrued Interest Payable	—	3.86B	3.82B	4.54B	4.36B
Accrued Interest Receivable	—	6.98B	6.33B	6.17B	5.77B
Long-Term Unearned Revenue	—	1.92B	1.90B	1.63B	1.52B
Other Current Liabilities	—	25.27B	26.54B	24.58B	21.08B
Other Long-Term Liabilities	43.33B	6.43B	6.21B	5.90B	8.01B
Pension & Post-Retirement Benefits	—	552.00M	528.00M	487.81M	495.52M
Debt & Funding
Total Debt	148.18B	142.38B	127.05B	128.69B	127.09B
Current Portion of Long-Term Debt	—	67.42B	48.20B	49.04B	41.90B
Long-Term Debt	111.62B	40.41B	41.60B	45.11B	47.47B
Short-Term Borrowings	36.56B	34.30B	36.98B	34.30B	37.58B
Total Deposits	552.41B	542.67B	518.86B	498.92B	479.70B
Interest Bearing Deposits	552.41B	354.65B	339.83B	332.62B	317.77B
Non-Interest Bearing Deposits	—	188.02B	179.03B	166.30B	161.92B
Equity & Book Value
Shareholders' Equity	89.25B	85.77B	88.74B	79.51B	76.25B
Total Common Equity	89.25B	85.77B	88.74B	79.51B	76.24B
Common Stock	7.91B	7.91B	7.91B	7.32B	7.32B
Additional Paid-In Capital	17.88B	17.88B	17.88B	17.88B	17.88B
Retained Earnings	36.80B	53.09B	54.91B	46.20B	43.31B
Comprehensive Income & Other	26.66B	6.89B	8.04B	8.11B	7.74B
Minority Interest	4.00M	4.00M	4.00M	4.10M	4.01M
Book Value Per Share	11.10	10.91	10.13	9.73	9.27
Tangible Book Value	81.56B	78.11B	81.08B	71.83B	68.56B
Tangible Book Value Per Share	10.15	9.93	9.16	8.68	8.21
Filing Date Shares Outstanding	8.04B	8.39B	7.90B	7.27B	7.28B
Total Common Shares Outstanding	8.04B	8.39B	7.90B	7.27B	7.28B