Abu Dhabi Commercial Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operations
Operating Cash Flow	-15.14B	-4.83B	-16.61B	-19.98B	-12.09B
Free Cash Flow	-15.23B	-4.83B	-16.37B	-20.14B	-12.18B
Capital Expenditures	-82.00M	—	242.29M	-158.09M	-84.00M
Investing & Financing
Investing Cash Flow	2.53B	-6.07B	-3.33B	-0.92B	-3.50B
Financing Cash Flow	35.05B	19.74B	19.56B	21.69B	20.49B
Dividends Paid	-5.18B	-0.11B	-0.20B	-0.11B	-4.54B
Share Repurchase	-13.00M	—	—	—	—
Operating Activities
Operating Cash Flow	-15.14B	-4.83B	-16.61B	-19.98B	-12.09B
Net Income	3.36B	3.34B	3.09B	2.57B	2.45B
Change in Other Net Operating Assets	-17.34B	-6.33B	-20.91B	-22.64B	-12.07B
Change in Trading Asset Securities	-2.20B	-1.60B	0.00B	-1.75B	-3.89B
Net Increase (Decrease) in Deposit Accounts	24.77B	17.20B	18.71B	21.65B	20.55B
Other Operating Activities	0.76B	-0.21B	0.52B	0.82B	0.85B
Provision for Credit Losses	-34.00M	-30.20M	-43.16M	-33.21M	-24.00M
Depreciation & Amortization	115.00M	-74.75M	119.54M	103.70M	105.00M
Other Amortization	—	195.00M	—	—	—
Cash Income Tax Paid	0.05B	1.02B	0.01B	0.12B	0.03B
Loss (Gain) on Equity Investments	-4.00M	2.19M	-2.60M	-3.33M	-5.00M
Total Asset Writedown	0.71B	0.42B	1.17B	1.30B	0.79B
Investing Activities
Investing Cash Flow	2.53B	-6.07B	-3.33B	-0.92B	-3.50B
Capital Expenditures	-82.00M	—	242.29M	-158.09M	-84.00M
Cash Acquisitions	—	—	—	—	—
Divestitures	—	—	—	—	—
Investment in Securities	2.51B	-6.49B	-3.92B	-0.81B	-3.43B
Other Investing Activities	0.01B	0.01B	0.01B	0.02B	0.01B
Sale of Property, Plant and Equipment	—	-59.93M	183.93M	—	—
Gain (Loss) on Sale of Assets	-2.00M	-47.96M	-100.51M	-1.07M	-1.00M
Gain (Loss) on Sale of Investments	-571.00M	-512.70M	-485.48M	-364.02M	-336.00M
Financing Activities
Financing Cash Flow	35.05B	19.74B	19.56B	21.69B	20.49B
Common Dividends Paid	-5.18B	-0.11B	-0.20B	-0.11B	-4.54B
Issuance of Common Stock	—	6.09B	—	—	—
Repurchase of Common Stock	-13.00M	—	—	—	—
Long-Term Debt Issued	37.15B	—	—	—	20.43B
Short-Term Debt Issued	—	—	—	—	4.89B
Total Debt Issued	37.15B	17.36B	22.06B	28.65B	25.31B
Long-Term Debt Repaid	-19.41B	—	—	—	-20.84B
Short-Term Debt Repaid	-2.26B	—	—	—	—
Total Debt Repaid	-21.67B	-20.80B	-21.00B	-28.50B	-20.84B
Net Debt Issued (Repaid)	15.48B	-3.44B	1.05B	0.15B	4.48B
Other Financing Activities	—	—	—	—	—
Free Cash Flow & Returns
Free Cash Flow	-15.23B	-4.83B	-16.37B	-20.14B	-12.18B
Free Cash Flow Growth	—	—	—	—	—
Free Cash Flow Margin	-287.5%	-89.7%	-341.9%	-443.3%	-278.9%
Free Cash Flow Per Share	-1.92	-0.60	-2.24	-2.75	-1.63
Operating Cash Flow Growth	—	—	—	—	—
Net Cash Flow	21.90B	8.87B	-0.28B	0.84B	4.92B
Foreign Exchange Rate Adjustments	-0.54B	0.02B	0.10B	0.05B	0.02B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operations
Operating Cash Flow	-15.14B	-4.83B	-16.61B	-19.98B	-12.09B
Free Cash Flow	-15.23B	-4.83B	-16.37B	-20.14B	-12.18B
Capital Expenditures	-82.00M	—	242.29M	-158.09M	-84.00M
Investing & Financing
Investing Cash Flow	2.53B	-6.07B	-3.33B	-0.92B	-3.50B
Financing Cash Flow	35.05B	19.74B	19.56B	21.69B	20.49B
Dividends Paid	-5.18B	-0.11B	-0.20B	-0.11B	-4.54B
Share Repurchase	-13.00M	—	—	—	—
Operating Activities
Operating Cash Flow	-15.14B	-4.83B	-16.61B	-19.98B	-12.09B
Net Income	3.36B	3.34B	3.09B	2.57B	2.45B
Change in Other Net Operating Assets	-17.34B	-6.33B	-20.91B	-22.64B	-12.07B
Change in Trading Asset Securities	-2.20B	-1.60B	0.00B	-1.75B	-3.89B
Net Increase (Decrease) in Deposit Accounts	24.77B	17.20B	18.71B	21.65B	20.55B
Other Operating Activities	0.76B	-0.21B	0.52B	0.82B	0.85B
Provision for Credit Losses	-34.00M	-30.20M	-43.16M	-33.21M	-24.00M
Depreciation & Amortization	115.00M	-74.75M	119.54M	103.70M	105.00M
Other Amortization	—	195.00M	—	—	—
Cash Income Tax Paid	0.05B	1.02B	0.01B	0.12B	0.03B
Loss (Gain) on Equity Investments	-4.00M	2.19M	-2.60M	-3.33M	-5.00M
Total Asset Writedown	0.71B	0.42B	1.17B	1.30B	0.79B
Investing Activities
Investing Cash Flow	2.53B	-6.07B	-3.33B	-0.92B	-3.50B
Capital Expenditures	-82.00M	—	242.29M	-158.09M	-84.00M
Cash Acquisitions	—	—	—	—	—
Divestitures	—	—	—	—	—
Investment in Securities	2.51B	-6.49B	-3.92B	-0.81B	-3.43B
Other Investing Activities	0.01B	0.01B	0.01B	0.02B	0.01B
Sale of Property, Plant and Equipment	—	-59.93M	183.93M	—	—
Gain (Loss) on Sale of Assets	-2.00M	-47.96M	-100.51M	-1.07M	-1.00M
Gain (Loss) on Sale of Investments	-571.00M	-512.70M	-485.48M	-364.02M	-336.00M
Financing Activities
Financing Cash Flow	35.05B	19.74B	19.56B	21.69B	20.49B
Common Dividends Paid	-5.18B	-0.11B	-0.20B	-0.11B	-4.54B
Issuance of Common Stock	—	6.09B	—	—	—
Repurchase of Common Stock	-13.00M	—	—	—	—
Long-Term Debt Issued	37.15B	—	—	—	20.43B
Short-Term Debt Issued	—	—	—	—	4.89B
Total Debt Issued	37.15B	17.36B	22.06B	28.65B	25.31B
Long-Term Debt Repaid	-19.41B	—	—	—	-20.84B
Short-Term Debt Repaid	-2.26B	—	—	—	—
Total Debt Repaid	-21.67B	-20.80B	-21.00B	-28.50B	-20.84B
Net Debt Issued (Repaid)	15.48B	-3.44B	1.05B	0.15B	4.48B
Other Financing Activities	—	—	—	—	—
Free Cash Flow & Returns
Free Cash Flow	-15.23B	-4.83B	-16.37B	-20.14B	-12.18B
Free Cash Flow Growth	—	—	—	—	—
Free Cash Flow Margin	-287.5%	-89.7%	-341.9%	-443.3%	-278.9%
Free Cash Flow Per Share	-1.92	-0.60	-2.24	-2.75	-1.63
Operating Cash Flow Growth	—	—	—	—	—
Net Cash Flow	21.90B	8.87B	-0.28B	0.84B	4.92B
Foreign Exchange Rate Adjustments	-0.54B	0.02B	0.10B	0.05B	0.02B