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
Operations
Operating Cash Flow	-53.41B	-42.46B	-38.07B	-16.05B	-10.06B
Free Cash Flow	-53.41B	-42.82B	-38.37B	-16.34B	-10.28B
Capital Expenditures	—	-369.00M	-306.30M	-289.71M	-217.82M
Investing & Financing
Investing Cash Flow	-13.81B	-16.86B	-15.42B	-24.23B	-10.90B
Financing Cash Flow	81.48B	69.91B	64.02B	48.69B	20.73B
Dividends Paid	-4.96B	-4.79B	-1.65B	-2.76B	-2.05B
Operating Activities
Operating Cash Flow	-53.41B	-42.46B	-38.07B	-16.05B	-10.06B
Net Income	11.45B	9.42B	8.21B	6.44B	5.24B
Change in Other Net Operating Assets	-61.84B	-54.88B	-45.72B	-24.02B	-17.42B
Change in Trading Asset Securities	-7.24B	-1.79B	-4.75B	-2.83B	-1.69B
Net Increase (Decrease) in Deposit Accounts	78.10B	62.28B	55.92B	48.99B	13.66B
Other Operating Activities	1.97B	2.59B	1.49B	1.14B	0.79B
Provision for Credit Losses	-131.00M	-189.00M	-248.75M	-399.21M	-362.94M
Depreciation & Amortization	253.00M	250.00M	464.63M	501.39M	496.84M
Other Amortization	195.00M	164.00M	—	—	—
Cash Income Tax Paid	1.18B	0.13B	0.12B	0.08B	0.06B
Loss (Gain) on Equity Investments	-9.00M	-11.00M	0.10M	8.46M	-7.66M
Total Asset Writedown	3.69B	3.37B	3.91B	3.25B	3.02B
Investing Activities
Investing Cash Flow	-13.81B	-16.86B	-15.42B	-24.23B	-10.90B
Capital Expenditures	—	-369.00M	-306.30M	-289.71M	-217.82M
Cash Acquisitions	—	—	—	—	-918.92M
Divestitures	—	—	474.45M	—	—
Investment in Securities	-14.65B	-16.58B	-15.63B	-24.05B	-9.92B
Other Investing Activities	46.00M	34.00M	39.76M	37.53M	27.74M
Sale of Property, Plant and Equipment	124.00M	—	—	72.75M	101.31M
Gain (Loss) on Sale of Assets	-151.00M	-35.00M	-575.24M	-58.05M	-31.86M
Gain (Loss) on Sale of Investments	-1.70B	-1.41B	-0.88B	-0.09B	-0.11B
Financing Activities
Financing Cash Flow	81.48B	69.91B	64.02B	48.69B	20.73B
Common Dividends Paid	-4.96B	-4.79B	-1.65B	-2.76B	-2.05B
Issuance of Common Stock	6.09B	—	—	—	—
Long-Term Debt Issued	91.20B	113.50B	81.97B	47.10B	30.73B
Short-Term Debt Issued	2.18B	—	1.41B	—	1.44B
Total Debt Issued	93.38B	113.50B	83.39B	47.10B	32.17B
Long-Term Debt Repaid	-91.14B	-99.14B	-73.64B	-44.40B	-23.04B
Short-Term Debt Repaid	—	-1.93B	—	-0.25B	—
Total Debt Repaid	-91.14B	-101.08B	-73.64B	-44.66B	-23.04B
Net Debt Issued (Repaid)	2.24B	12.42B	9.74B	2.45B	9.12B
Other Financing Activities	—	—	—	-39.00K	—
Free Cash Flow & Returns
Free Cash Flow	-53.41B	-42.82B	-38.37B	-16.34B	-10.28B
Free Cash Flow Margin	-279.9%	-257.9%	-276.5%	-141.3%	-106.9%
Free Cash Flow Per Share	-7.13	-5.72	-5.24	-2.23	-1.40
Net Cash Flow	14.46B	9.27B	9.84B	7.14B	-0.24B
Foreign Exchange Rate Adjustments	0.20B	-1.32B	-0.69B	-1.27B	-0.00B

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
Operations
Operating Cash Flow	-53.41B	-42.46B	-38.07B	-16.05B	-10.06B
Free Cash Flow	-53.41B	-42.82B	-38.37B	-16.34B	-10.28B
Capital Expenditures	—	-369.00M	-306.30M	-289.71M	-217.82M
Investing & Financing
Investing Cash Flow	-13.81B	-16.86B	-15.42B	-24.23B	-10.90B
Financing Cash Flow	81.48B	69.91B	64.02B	48.69B	20.73B
Dividends Paid	-4.96B	-4.79B	-1.65B	-2.76B	-2.05B
Operating Activities
Operating Cash Flow	-53.41B	-42.46B	-38.07B	-16.05B	-10.06B
Net Income	11.45B	9.42B	8.21B	6.44B	5.24B
Change in Other Net Operating Assets	-61.84B	-54.88B	-45.72B	-24.02B	-17.42B
Change in Trading Asset Securities	-7.24B	-1.79B	-4.75B	-2.83B	-1.69B
Net Increase (Decrease) in Deposit Accounts	78.10B	62.28B	55.92B	48.99B	13.66B
Other Operating Activities	1.97B	2.59B	1.49B	1.14B	0.79B
Provision for Credit Losses	-131.00M	-189.00M	-248.75M	-399.21M	-362.94M
Depreciation & Amortization	253.00M	250.00M	464.63M	501.39M	496.84M
Other Amortization	195.00M	164.00M	—	—	—
Cash Income Tax Paid	1.18B	0.13B	0.12B	0.08B	0.06B
Loss (Gain) on Equity Investments	-9.00M	-11.00M	0.10M	8.46M	-7.66M
Total Asset Writedown	3.69B	3.37B	3.91B	3.25B	3.02B
Investing Activities
Investing Cash Flow	-13.81B	-16.86B	-15.42B	-24.23B	-10.90B
Capital Expenditures	—	-369.00M	-306.30M	-289.71M	-217.82M
Cash Acquisitions	—	—	—	—	-918.92M
Divestitures	—	—	474.45M	—	—
Investment in Securities	-14.65B	-16.58B	-15.63B	-24.05B	-9.92B
Other Investing Activities	46.00M	34.00M	39.76M	37.53M	27.74M
Sale of Property, Plant and Equipment	124.00M	—	—	72.75M	101.31M
Gain (Loss) on Sale of Assets	-151.00M	-35.00M	-575.24M	-58.05M	-31.86M
Gain (Loss) on Sale of Investments	-1.70B	-1.41B	-0.88B	-0.09B	-0.11B
Financing Activities
Financing Cash Flow	81.48B	69.91B	64.02B	48.69B	20.73B
Common Dividends Paid	-4.96B	-4.79B	-1.65B	-2.76B	-2.05B
Issuance of Common Stock	6.09B	—	—	—	—
Long-Term Debt Issued	91.20B	113.50B	81.97B	47.10B	30.73B
Short-Term Debt Issued	2.18B	—	1.41B	—	1.44B
Total Debt Issued	93.38B	113.50B	83.39B	47.10B	32.17B
Long-Term Debt Repaid	-91.14B	-99.14B	-73.64B	-44.40B	-23.04B
Short-Term Debt Repaid	—	-1.93B	—	-0.25B	—
Total Debt Repaid	-91.14B	-101.08B	-73.64B	-44.66B	-23.04B
Net Debt Issued (Repaid)	2.24B	12.42B	9.74B	2.45B	9.12B
Other Financing Activities	—	—	—	-39.00K	—
Free Cash Flow & Returns
Free Cash Flow	-53.41B	-42.82B	-38.37B	-16.34B	-10.28B
Free Cash Flow Margin	-279.9%	-257.9%	-276.5%	-141.3%	-106.9%
Free Cash Flow Per Share	-7.13	-5.72	-5.24	-2.23	-1.40
Net Cash Flow	14.46B	9.27B	9.84B	7.14B	-0.24B
Foreign Exchange Rate Adjustments	0.20B	-1.32B	-0.69B	-1.27B	-0.00B