Abu Dhabi Commercial Bank

ADCBStocksAbu Dhabi Securities ExchangeBanks

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
Operating Summary
Revenue	19.08B	16.61B	13.88B	11.57B	9.61B
Interest Income	35.12B	33.73B	28.25B	16.42B	11.12B
Interest Expense	20.44B	20.51B	15.88B	6.22B	2.26B
Pretax Income	12.84B	10.59B	8.43B	6.67B	5.36B
Income Tax	1.40B	1.17B	0.22B	0.14B	0.10B
Net Income	10.80B	8.74B	7.81B	6.25B	5.07B
Net Interest Income	14.69B	13.23B	12.37B	10.19B	8.86B
Non-Interest Income	7.50B	6.25B	4.98B	4.15B	3.40B
Non-Interest Expense	6.24B	6.02B	5.45B	4.90B	4.25B
Loan Loss Provisions	3.10B	2.87B	3.48B	2.78B	2.65B
EPS (Basic)	1.45	1.17	1.07	0.86	0.69
EPS (Diluted)	1.44	1.17	1.07	0.85	0.69
DPS	0.63	0.59	0.56	0.17	0.35
Margins & Efficiency
Net Margin %	+56.6%	+52.6%	+56.3%	+54.1%	+52.7%
Revenue & Income
Revenue	19.08B	16.61B	13.88B	11.57B	9.61B
Revenue	19.08B	16.61B	13.88B	11.57B	9.61B
Revenue Growth (YoY)	+14.9%	+19.6%	+20.0%	+20.3%	+13.4%
Revenues Before Loan Losses	22.18B	19.48B	17.36B	14.34B	12.26B
Interest Income on Loans	35.12B	33.73B	28.25B	16.42B	11.12B
Net Interest Income	14.69B	13.23B	12.37B	10.19B	8.86B
Net Interest Income Growth (YoY)	+11.1%	+6.9%	+21.4%	+15.0%	-9.4%
Non-Interest Income Growth (YoY)	+19.8%	+25.5%	+20.1%	+22.2%	+26.3%
Total Non-Interest Income	7.50B	6.25B	4.98B	4.15B	3.40B
Other Non-Interest Income	4.91B	4.48B	2.96B	3.29B	2.45B
Income From Trading Activities	2.72B	2.06B	1.59B	0.91B	0.68B
Gain (Loss) on Sale of Assets	51.00M	27.00M	536.47M	19.14M	11.47M
Gain (Loss) on Sale of Investments	-186.00M	-318.00M	-103.41M	-71.35M	259.08M
Expenses & Provisions
Selling, General & Administrative	2.26B	2.26B	1.92B	1.62B	1.32B
Interest Paid on Deposits	20.44B	20.51B	15.88B	6.22B	2.26B
Total Non-Interest Expense	6.24B	6.02B	5.45B	4.90B	4.25B
Provision for Loan Losses	3.10B	2.87B	3.48B	2.78B	2.65B
Salaries and Employee Benefits	3.43B	3.29B	3.03B	2.75B	2.43B
Occupancy Expenses	211.00M	199.00M	378.39M	407.26M	401.15M
Amortization of Goodwill & Intangibles	237.00M	215.00M	86.25M	94.14M	95.69M
Profitability & Returns
EBT Excluding Unusual Items	12.84B	10.59B	8.43B	6.67B	5.36B
Pretax Income	12.84B	10.59B	8.43B	6.67B	5.36B
Profit Margin	+56.6%	+52.6%	+56.3%	+54.1%	+52.7%
Net Income	11.45B	9.42B	8.21B	6.44B	5.24B
Net Income to Common	10.80B	8.74B	7.81B	6.25B	5.07B
Net Income Growth	+21.5%	+14.8%	+27.5%	+22.8%	+37.7%
Earnings From Continuing Ops.	11.45B	9.42B	8.21B	6.53B	5.26B
Earnings From Discontinued Ops.	—	—	—	-99.82M	-16.42M
Minority Interest in Earnings	1.00M	2.00M	0.72M	1.58M	-6.28M
Income Tax Expense	1.40B	1.17B	0.22B	0.14B	0.10B
Effective Tax Rate	+10.9%	+11.0%	+2.6%	+2.0%	+1.9%
Per Share & Capital
EPS (Basic)	1.45	1.17	1.07	0.86	0.69
EPS (Diluted)	1.44	1.17	1.07	0.85	0.69
EPS Growth	+23.2%	+9.4%	+25.8%	+22.7%	+43.6%
Dividend Per Share	0.63	0.59	0.56	0.17	0.35
Shares Change (YoY)	0	0.02	—	0	—
Shares Outstanding (Basic)	7.45B	7.47B	7.31B	7.31B	7.31B
Shares Outstanding (Diluted)	7.49B	7.49B	7.32B	7.32B	7.32B
Dividend Growth	+6.8%	+5.4%	+227.3%	-51.4%	+37.1%
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
Payout Ratio	+43.3%	+50.8%	+20.1%	+42.8%	+39.2%
Preferred Dividends & Other Adjustments	642.00M	686.00M	393.48M	182.27M	173.70M

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
Operating Summary
Revenue	19.08B	16.61B	13.88B	11.57B	9.61B
Interest Income	35.12B	33.73B	28.25B	16.42B	11.12B
Interest Expense	20.44B	20.51B	15.88B	6.22B	2.26B
Pretax Income	12.84B	10.59B	8.43B	6.67B	5.36B
Income Tax	1.40B	1.17B	0.22B	0.14B	0.10B
Net Income	10.80B	8.74B	7.81B	6.25B	5.07B
Net Interest Income	14.69B	13.23B	12.37B	10.19B	8.86B
Non-Interest Income	7.50B	6.25B	4.98B	4.15B	3.40B
Non-Interest Expense	6.24B	6.02B	5.45B	4.90B	4.25B
Loan Loss Provisions	3.10B	2.87B	3.48B	2.78B	2.65B
EPS (Basic)	1.45	1.17	1.07	0.86	0.69
EPS (Diluted)	1.44	1.17	1.07	0.85	0.69
DPS	0.63	0.59	0.56	0.17	0.35
Margins & Efficiency
Net Margin %	+56.6%	+52.6%	+56.3%	+54.1%	+52.7%
Revenue & Income
Revenue	19.08B	16.61B	13.88B	11.57B	9.61B
Revenue	19.08B	16.61B	13.88B	11.57B	9.61B
Revenue Growth (YoY)	+14.9%	+19.6%	+20.0%	+20.3%	+13.4%
Revenues Before Loan Losses	22.18B	19.48B	17.36B	14.34B	12.26B
Interest Income on Loans	35.12B	33.73B	28.25B	16.42B	11.12B
Net Interest Income	14.69B	13.23B	12.37B	10.19B	8.86B
Net Interest Income Growth (YoY)	+11.1%	+6.9%	+21.4%	+15.0%	-9.4%
Non-Interest Income Growth (YoY)	+19.8%	+25.5%	+20.1%	+22.2%	+26.3%
Total Non-Interest Income	7.50B	6.25B	4.98B	4.15B	3.40B
Other Non-Interest Income	4.91B	4.48B	2.96B	3.29B	2.45B
Income From Trading Activities	2.72B	2.06B	1.59B	0.91B	0.68B
Gain (Loss) on Sale of Assets	51.00M	27.00M	536.47M	19.14M	11.47M
Gain (Loss) on Sale of Investments	-186.00M	-318.00M	-103.41M	-71.35M	259.08M
Expenses & Provisions
Selling, General & Administrative	2.26B	2.26B	1.92B	1.62B	1.32B
Interest Paid on Deposits	20.44B	20.51B	15.88B	6.22B	2.26B
Total Non-Interest Expense	6.24B	6.02B	5.45B	4.90B	4.25B
Provision for Loan Losses	3.10B	2.87B	3.48B	2.78B	2.65B
Salaries and Employee Benefits	3.43B	3.29B	3.03B	2.75B	2.43B
Occupancy Expenses	211.00M	199.00M	378.39M	407.26M	401.15M
Amortization of Goodwill & Intangibles	237.00M	215.00M	86.25M	94.14M	95.69M
Profitability & Returns
EBT Excluding Unusual Items	12.84B	10.59B	8.43B	6.67B	5.36B
Pretax Income	12.84B	10.59B	8.43B	6.67B	5.36B
Profit Margin	+56.6%	+52.6%	+56.3%	+54.1%	+52.7%
Net Income	11.45B	9.42B	8.21B	6.44B	5.24B
Net Income to Common	10.80B	8.74B	7.81B	6.25B	5.07B
Net Income Growth	+21.5%	+14.8%	+27.5%	+22.8%	+37.7%
Earnings From Continuing Ops.	11.45B	9.42B	8.21B	6.53B	5.26B
Earnings From Discontinued Ops.	—	—	—	-99.82M	-16.42M
Minority Interest in Earnings	1.00M	2.00M	0.72M	1.58M	-6.28M
Income Tax Expense	1.40B	1.17B	0.22B	0.14B	0.10B
Effective Tax Rate	+10.9%	+11.0%	+2.6%	+2.0%	+1.9%
Per Share & Capital
EPS (Basic)	1.45	1.17	1.07	0.86	0.69
EPS (Diluted)	1.44	1.17	1.07	0.85	0.69
EPS Growth	+23.2%	+9.4%	+25.8%	+22.7%	+43.6%
Dividend Per Share	0.63	0.59	0.56	0.17	0.35
Shares Change (YoY)	0	0.02	—	0	—
Shares Outstanding (Basic)	7.45B	7.47B	7.31B	7.31B	7.31B
Shares Outstanding (Diluted)	7.49B	7.49B	7.32B	7.32B	7.32B
Dividend Growth	+6.8%	+5.4%	+227.3%	-51.4%	+37.1%
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
Payout Ratio	+43.3%	+50.8%	+20.1%	+42.8%	+39.2%
Preferred Dividends & Other Adjustments	642.00M	686.00M	393.48M	182.27M	173.70M