Balance Sheet Abu Dhabi Commercial Bank

Stocks

ADCB

AEA000201011

Banks

Market Closed - Abu Dhabi Securities Exchange Other stock markets 06:56:45 2026-06-11 am EDT			5-day change	1st Jan Change
13.10 ^AED	-0.76%		-1.80%	-8.39%

Jun. 10	UAE banks step up generous deposit offers as they face digital rivals, war risks	RE
Jun. 10	Commonwealth LNG owner says 20 institutions commit financing for Louisiana export facility	RE

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Published financial data: ABU DHABI COMMERCIAL BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	11.12B	16.42B	28.25B	33.73B	35.12B
Interest Income, Total	11.12B	16.42B	28.25B	33.73B	35.12B
Interest On Deposits	2.26B	6.22B	15.88B	20.51B	20.44B
Interest Expense, Total	2.26B	6.22B	15.88B	20.51B	20.44B
Net Interest Income	8.86B	10.19B	12.37B	13.23B	14.69B
Income From Trading Activities	676M	913M	1.59B	2.06B	2.72B
Gain (Loss) on Sale of Assets	11.47M	19.14M	536M	26.91M	51M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	259M	-71.35M	-103M	-318M	-186M
Total Other Non Interest Income	2.28B	3.29B	2.96B	4.48B	4.91B
Non Interest Income, Total	3.23B	4.15B	4.98B	6.25B	7.5B
Revenues Before Provison For Loan Losses	12.09B	14.34B	17.36B	19.48B	22.18B
Provision For Loan Losses	2.65B	2.78B	3.48B	2.87B	3.1B
Total Revenues	9.45B	11.57B	13.88B	16.61B	19.08B
Salaries And Other Employee Benefits	2.43B	2.75B	3.03B	3.29B	3.43B
Stock-Based Compensation (IS)	5.64M	22.62M	38.34M	70.91M	110M
Amort. of Goodwill & Intang. Assets	95.69M	94.14M	86.25M	50.69M	237M
Occupancy Expense	401M	407M	378M	363M	211M
Selling General & Admin Expenses, Total	1.32B	1.62B	1.92B	2.26B	2.26B
(Income) Loss on Equity Invest.	-7.66M	8.46M	103K	-10.98M	-9M
Total Other Non Interest Expense	-	-	-	-	-
Non Interest Expense, Total	4.25B	4.9B	5.45B	6.02B	6.24B
EBT, Excl. Unusual Items	5.2B	6.67B	8.43B	10.59B	12.84B
Other Unusual Items	166M	-	-	-	-
EBT, Incl. Unusual Items	5.36B	6.67B	8.43B	10.59B	12.84B
Income Tax Expense	99.6M	135M	221M	1.17B	1.4B
Earnings From Continuing Operations	5.26B	6.53B	8.21B	9.42B	11.44B
Earnings Of Discontinued Operations	-16.42M	-99.82M	-	-	-
Net Income to Company	5.25B	6.43B	8.21B	9.42B	11.44B
Minority Interest	-6.28M	1.58M	716K	1.48M	1M
Net Income - (IS)	5.24B	6.44B	8.21B	9.42B	11.45B
Preferred Dividend and Other Adjustments	174M	182M	393M	686M	642M
Net Income to Common Incl Extra Items	5.07B	6.25B	7.81B	8.74B	10.8B
Net Income to Common Excl. Extra Items	5.08B	6.35B	7.81B	8.74B	10.8B
Per Share Items
Net EPS - Basic	0.69	0.86	1.07	1.2	1.45
Basic EPS - Continuing Operations	0.7	0.87	1.07	1.2	1.45
Basic Weighted Average Shares Outstanding	7.31B	7.31B	7.31B	7.3B	7.45B
Net EPS - Diluted	0.69	0.86	1.07	1.19	1.44
Diluted EPS - Continuing Operations	0.7	0.87	1.07	1.19	1.44
Diluted Weighted Average Shares Outstanding	7.32B	7.32B	7.32B	7.32B	7.49B
Normalized Basic EPS	0.44	0.57	0.72	0.91	1.08
Normalized Diluted EPS	0.44	0.57	0.72	0.9	1.07
Dividend Per Share	0.35	0.17	0.56	0.59	0.63
Payout Ratio	39.16	42.83	20.05	50.79	43.34
Supplemental Items
Effective Tax Rate - (Ratio)	1.86	2.03	2.62	11.02	10.89
Total Current Taxes	-	-	-	1.13B	1.39B
Total Deferred Taxes	-	-	-	36.26M	4M
Normalized Net Income	3.24B	4.17B	5.27B	6.62B	8.03B
Non-Cash Pension Expense	68M	73.01M	80.48M	69.74M	82M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	5.64M	22.62M	38.34M	70.91M	110M
Total Stock-Based Compensation	5.64M	22.62M	38.34M	70.91M	110M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	24.48B	25.12B	26.07B	18.35B	9.56B
Investment Securities, Total	74.45B	91.29B	97.63B	113B	138B
Trading Asset Securities, Total	8.19B	19.59B	23.83B	31.81B	36.84B
Total investments	82.65B	111B	121B	145B	175B
Gross Loans	279B	297B	341B	391B	442B
Allowance For Loan Losses	-10.87B	-11.89B	-10.81B	-9.94B	-8.04B
Other Adjustments to Gross Loans	-3.01B	-	-	-	-
Net Loans	265B	285B	330B	381B	434B
Gross Property Plant And Equipment	4.69B	4.84B	5.08B	5.39B	2.51B
Accumulated Depreciation	-2.62B	-2.91B	-3.19B	-3.5B	-1.54B
Net Property Plant And Equipment	2.06B	1.94B	1.89B	1.89B	964M
Goodwill	6.75B	6.75B	6.75B	6.75B	6.75B
Other Intangibles, Total	541M	399M	296M	219M	904M
Investment in Real Estate	1.67B	1.69B	1.74B	1.72B	1.19B
Accrued Interest Receivable	2.43B	3.34B	4.54B	5.19B	6.33B
Other Receivables	1.56B	857M	1.08B	1.01B	22.18B
Restricted Cash	12.21B	13.6B	20.81B	27.31B	35.15B
Other Current Assets, Total	16.56B	20.69B	16.38B	17.27B	34.19B
Other Long-Term Assets, Total	24.16B	27.64B	35.99B	47.19B	46.91B
Total Assets	440B	498B	567B	653B	774B
Liabilities
Accounts Payable, Total	-	-	-	-	-
Interest Bearing Deposits	154B	196B	234B	283B	340B
Non-Interest Bearing Deposits	118B	122B	137B	150B	179B
Total Deposits	272B	319B	372B	432B	519B
Short-Term Borrowings	12.76B	22.22B	24.02B	30.04B	36.98B
Current Portion of Long-Term Debt	20.98B	29.11B	39.5B	43.99B	48.2B
Long-Term Debt	51.52B	40.76B	37.15B	44.7B	41.6B
Long-Term Leases	286M	226M	168M	157M	268M
Accrued Interest Payable	677M	1.84B	3.14B	4.2B	3.82B
Other Current Liabilities - (Bank / Utility Template)	16.75B	17.56B	13.73B	13.53B	26.54B
Unearned Revenue Non Current	807M	842M	1.12B	1.29B	1.9B
Pension & Other Post Retirement Benefits	595M	512M	467M	518M	528M
Other Non Current Liabilities	4.28B	4.69B	4.95B	6.49B	6.21B
Total Liabilities	381B	436B	496B	577B	685B
Common Stock, Total	6.96B	6.96B	7.32B	7.32B	7.91B
Additional Paid In Capital	17.88B	17.88B	17.88B	17.88B	17.88B
Retained Earnings	28.35B	32.14B	38.38B	42.99B	54.91B
Comprehensive Income and Other	6.18B	4.44B	7.67B	7.37B	8.04B
Total Common Equity	59.36B	61.42B	71.25B	75.56B	88.74B
Minority Interest	10.23M	7.76M	6.87M	4.91M	4M
Total Equity	59.37B	61.43B	71.25B	75.57B	88.74B
Total Liabilities And Equity	440B	498B	567B	653B	774B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	7.31B	7.31B	7.32B	7.31B	7.9B
ECS Total Common Shares Outstanding	7.31B	7.31B	7.32B	7.31B	7.9B
Book Value / Share	7.3	7.58	8.54	9.14	10.13
Tangible Book Value	52.07B	54.27B	64.2B	68.59B	81.08B
Tangible Book Value Per Share	6.3	6.6	7.58	8.18	9.16
Total Debt	85.55B	92.32B	101B	119B	127B
Deposits at Interest - Cash	30.09B	36.65B	49.58B	58.77B	47.91B
Debt Equivalent of Unfunded Proj. Benefit Obligation	595M	512M	467M	518M	528M
Net Debt	51.64B	42.07B	47.06B	53.78B	64.25B
Equity Method Investments, Total	263M	253M	371M	329M	306M
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	5.24B	6.44B	8.21B	9.42B	11.45B
Depreciation, Depletion & Amortization	401M	407M	378M	363M	211M
Amortization of Goodwill and Intangible Assets - (CF)	95.69M	94.14M	86.25M	50.69M	42M
Total Depreciation, Depletion & Amortization	497M	501M	465M	413M	253M
Amortization of Deferred Charges, Total	-	-	-	-	195M
(Gain) Loss On Sale of Asset - (CF)	-31.86M	-58.05M	-575M	-34.78M	-151M
(Gain) Loss on Sale of Investments - (CF)	-278M	-106M	-875M	-1.41B	-1.7B
Total Asset Writedown	3.02B	3.25B	3.91B	3.37B	3.69B
Provision for Credit Losses	-363M	-399M	-249M	-189M	-131M
(Income) Loss On Equity Investments - (CF)	-7.66M	8.46M	103K	-10.98M	-9M
Stock-Based Compensation (CF)	5.64M	22.62M	38.34M	70.91M	110M
Change in Trading Asset Securities	-1.69B	-2.83B	-4.75B	-1.79B	-7.24B
Change in Other Net Operating Assets (Collected)	-17.28B	-24.56B	-45.72B	-54.88B	-61.84B
Other Operating Activities	-1.32B	1.15B	1.49B	2.59B	1.97B
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	-12.2B	-16.59B	-38.07B	-42.46B	-53.41B
Capital Expenditure	-218M	-290M	-306M	-369M	-
Sale of Property, Plant, and Equipment	101M	72.75M	-	-	124M
Cash Acquisitions	-919M	-	-	-	-
Divestitures	-	-	474M	-	-
Sale (Purchase) of Real Estate Properties (Collected)	22.88M	2.43M	222K	49.41M	662M
Investment in Marketable and Equity Securities, Total	-9.92B	-24.05B	-15.63B	-16.58B	-14.64B
Other Investing Activities, Total	2.13B	37.53M	39.76M	33.99M	46M
Cash from Investing	-8.8B	-24.23B	-15.42B	-16.86B	-13.81B
Short Term Debt Issued, Total	1.44B	-	1.41B	-	2.18B
Long-Term Debt Issued, Total	30.73B	47.1B	81.97B	113B	91.2B
Total Debt Issued	32.17B	47.1B	83.39B	113B	93.38B
Short Term Debt Repaid, Total	-	-251M	-	-1.93B	-
Long-Term Debt Repaid, Total	-23.04B	-44.4B	-73.64B	-99.14B	-91.14B
Total Debt Repaid	-23.04B	-44.66B	-73.64B	-101B	-91.14B
Issuance of Common Stock	-	-	-	-	6.09B
Repurchase of Common Stock	-	-	-	-	-
Common Dividends Paid	-2.05B	-2.76B	-1.65B	-4.78B	-4.96B
Common & Preferred Stock Dividends Paid	-2.05B	-2.76B	-1.65B	-4.78B	-4.96B
Net Increase (Decrease) in Deposit Accounts - (CF)	13.66B	48.99B	55.92B	62.28B	78.1B
Other Financing Activities, Total	40.18M	-39K	-	-106K	-
Cash from Financing	20.77B	48.69B	64.02B	69.91B	81.48B
Foreign Exchange Rate Adjustments	-	-1.25B	-689M	-1.32B	199M
Net Change in Cash	-236M	6.62B	9.84B	9.27B	14.46B
Supplemental Items
Cash Interest Paid	-	-	-	-	-
Cash Income Tax Paid (Refund)	63.35M	77.59M	119M	134M	1.18B
Net Debt Issued / Repaid	9.12B	2.45B	9.74B	12.42B	2.24B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.24	1.39	1.54	1.54	1.6
Return On Equity %	9.08	10.82	12.37	12.83	13.93
Return on Common Equity	8.77	10.52	11.78	11.9	13.15
Shareholders Value Added	-1.62B	-717M	333M	663M	1.63B
Margin Analysis
SG&A Margin	43.99	41.26	38.39	35.59	30.92
Net Interest Income / Total Revenues %	93.83	88.14	89.15	79.65	76.98
EBT Excl. Non-Recurring Items Margin %	55.02	57.66	60.71	63.75	67.31
Income From Continuing Operations Margin %	55.72	56.49	59.12	56.72	59.98
Net Income Margin %	55.48	55.64	59.13	56.73	59.99
Net Avail. For Common Margin %	53.82	54.93	56.29	52.6	56.62
Normalized Net Income Margin	34.32	36.05	37.95	39.85	42.07
Asset quality
Nonperforming Loans / Total Loans %	5.35	4.21	2.78	2.22	1.83
Nonperforming Loans / Total Assets %	3.39	2.51	1.67	1.33	1.04
Nonperforming Assets / Total Assets %	3.39	2.51	1.67	1.33	1.04
NPAs / Loans and OREO	5.35	4.21	2.78	2.22	1.83
NPAs / Equity	25.14	20.32	13.31	11.51	9.1
Allowance for Credit Losses / Net Charge-offs %	318.73	730.53	264.17	300.17	173.09
Allowance for Credit Losses / Nonperforming Loans %	72.85	95.22	114	114.32	99.57
Allowance for Credit Losses / Total Loans %	3.9	4	3.17	2.54	1.82
Provision for Loan Losses / Net Charge-offs %	77.58	170.8	84.94	86.79	66.8
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.62	12.87	12.46	12.03	11.52
Total Average Equity / Total Average Assets %	13.62	12.88	12.46	12.03	11.52
Total Equity + Allowance for Loan Losses / Total Loans %	25.17	24.7	24.06	21.85	21.88
Gross Loans / Total Deposits %	102.5	93.15	91.74	90.5	85.26
Net Loans / Total Deposits %	97.4	89.42	88.83	88.2	83.71
Tier 1 Capital Ratio %	14.75	14.64	15.09	14.59	15.64
Total Capital Ratio %	15.97	15.77	16.22	16.13	17
Core Tier 1 Capital Ratio	12.94	12.96	12.86	12.56	13.79
Tier 2 Capital Ratio	1.22	1.13	1.13	1.54	1.36
Coverage Ratio	72.85	95.22	114	114.32	99.57
Interbank Ratio	92.01	100.79	86.13	89.86	92.76
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.38	2.07	1.53	1.52	1.63
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-9.4	15.01	21.39	6.89	11.06
Non Interest Income, 1 Yr. Growth %	20.13	22.23	20.05	25.51	19.84
Provision For Loan Losses, 1 Yr. Growth %	-33.73	5.02	25.13	-17.34	7.97
Total Revenues, 1 Yr. Growth %	11.42	20.31	20.01	19.64	14.91
Earnings From Cont. Operations, 1 Yr. Growth %	36.74	24.12	25.6	14.78	21.51
Net Income, 1 Yr. Growth %	37.7	22.78	27.53	14.79	21.49
Normalized Net Income, 1 Yr. Growth %	30.81	24.62	26.33	25.63	21.31
Diluted EPS Before Extra, 1 Yr. Growth %	42.41	25.03	23.78	11.32	23.16
Dividend Per Share, 1 Yr. Growth %	37.06	-51.35	227.29	5.36	6.78
Gross Loans, 1 Yr. Growth %	5.3	7.52	14.89	14.74	13.06
Allowance For Loan Losses, 1 Yr. Growth %	-5.66	9.32	-9.01	-8.09	-19.11
Net Loans, 1 Yr. Growth %	6.18	7.44	15.88	15.49	13.9
Non Performing Loans, 1 Yr. Growth %	-5.51	-16.36	-24	-8.34	-7.13
Non Performing Assets, 1 Yr. Growth %	-5.51	-16.36	-24	-8.34	-7.13
Total Assets, 1 Yr. Growth %	7.08	13.07	13.93	15.1	18.51
Total Deposits, 1 Yr Growth %	4.87	17.04	16.65	16.31	20.01
Tangible Book Value, 1 Yr. Growth %	5.81	4.23	18.3	6.84	19.43
Common Equity, 1 Yr. Growth %	4.88	3.47	16	6.06	17.44
Total Equity, 1 Yr. Growth %	4.89	3.46	16	6.05	17.43
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.06	2.08	18.15	13.91	8.95
Non Interest Income, 2 Yr. CAGR %	14.09	24.25	21.14	22.75	22.65
Provision For Loan Losses, 2 Yr. CAGR %	6.07	-16.58	14.63	1.7	-5.53
Total Revenues, 2 Yr. CAGR %	0.41	16.8	20.16	19.83	17.25
Earnings From Cont. Operations, 2 Yr. CAGR %	4.4	30.28	24.86	20.07	18.1
Net Income, 2 Yr. CAGR %	4.61	30.03	25.13	20.99	18.1
Normalized Net Income, 2 Yr. CAGR %	3.25	29.7	25.47	25.98	23.45
Diluted EPS Before Extra, 2 Yr. CAGR %	1.08	33.43	24.01	17.38	16.06
Dividend Per Share, 2 Yr. CAGR %	-1.32	-18.34	26.18	85.7	6.07
Gross Loans, 2 Yr. CAGR %	1.14	5.82	11.14	14.81	13.9
Allowance For Loan Losses, 2 Yr. CAGR %	21.35	1.56	-0.26	-8.55	-13.78
Net Loans, 2 Yr. CAGR %	1.09	6.81	11.58	15.68	14.69
Non Performing Loans, 2 Yr. CAGR %	32.7	-11.1	-20.27	-16.54	-7.74
Non Performing Assets, 2 Yr. CAGR %	32.7	-11.1	-20.27	-16.54	-7.74
Total Assets, 2 Yr. CAGR %	4.25	10.04	13.5	14.51	16.79
Total Deposits, 2 Yr CAGR %	0.82	10.79	16.84	16.48	18.15
Tangible Book Value, 2 Yr. CAGR %	3.97	5.01	11.04	12.43	12.38
Common Equity, 2 Yr. CAGR %	3.29	4.17	9.56	10.92	11.6
Total Equity, 2 Yr. CAGR %	3.28	4.17	9.55	10.91	11.6
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.08	3.32	8.15	14.27	12.95
Non Interest Income, 3 Yr. CAGR %	18.07	18.71	22.84	22.58	21.77
Provision For Loan Losses, 3 Yr. CAGR %	27.87	5.72	-4.51	2.79	3.75
Total Revenues, 3 Yr. CAGR %	6.07	7.27	17.86	19.99	18.16
Earnings From Cont. Operations, 3 Yr. CAGR %	2.84	10.6	28.7	21.41	20.55
Net Income, 3 Yr. CAGR %	2.69	10.35	29.19	21.59	21.16
Normalized Net Income, 3 Yr. CAGR %	2.32	11.09	28.57	25.52	24.41
Diluted EPS Before Extra, 3 Yr. CAGR %	-6.67	8.51	29.86	19.63	18.58
Dividend Per Share, 3 Yr. CAGR %	-7	-22.05	29.71	18.82	54.42
Gross Loans, 3 Yr. CAGR %	15.06	2.85	8.76	12.33	14.23
Allowance For Loan Losses, 3 Yr. CAGR %	17.35	17.2	-2.1	-2.94	-12.22
Net Loans, 3 Yr. CAGR %	15.2	3.16	9.75	12.87	15.09
Non Performing Loans, 3 Yr. CAGR %	41.86	13.78	-15.63	-16.48	-13.51
Non Performing Assets, 3 Yr. CAGR %	41.86	13.78	-15.63	-16.48	-13.51
Total Assets, 3 Yr. CAGR %	16.31	7.11	11.32	14.03	15.83
Total Deposits, 3 Yr CAGR %	14.85	5.96	12.71	16.67	17.65
Tangible Book Value, 3 Yr. CAGR %	16.67	4.06	9.27	9.62	14.32
Common Equity, 3 Yr. CAGR %	21.86	3.35	7.97	8.38	13.05
Total Equity, 3 Yr. CAGR %	21.86	3.34	7.98	8.37	13.05
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.41	8.75	11.38	7.43	8.47
Non Interest Income, 5 Yr. CAGR %	7.08	13.6	20.49	20.31	22.76
Provision For Loan Losses, 5 Yr. CAGR %	11.72	10.67	22.4	4.09	-4.92
Total Revenues, 5 Yr. CAGR %	6.26	9.88	11.89	12.13	17.61
Earnings From Cont. Operations, 5 Yr. CAGR %	4.83	8.84	11.14	14.3	24.35
Net Income, 5 Yr. CAGR %	4.79	8.51	11.14	14.49	24.63
Normalized Net Income, 5 Yr. CAGR %	4.45	9.26	11.72	16.82	26.5
Diluted EPS Before Extra, 5 Yr. CAGR %	-1.03	2.97	4.57	11.83	24.16
Dividend Per Share, 5 Yr. CAGR %	-1.55	-15.59	5.08	10.31	19.68
Gross Loans, 5 Yr. CAGR %	10.36	10.9	13.23	7.48	10.79
Allowance For Loan Losses, 5 Yr. CAGR %	12.45	14.52	9.96	6.13	-6.95
Net Loans, 5 Yr. CAGR %	10.35	11.09	13.74	8	11.7
Non Performing Loans, 5 Yr. CAGR %	26.54	27.59	12.66	0.51	-12.56
Non Performing Assets, 5 Yr. CAGR %	26.54	27.59	12.66	0.51	-12.56
Total Assets, 5 Yr. CAGR %	11.26	13.44	15.18	10.01	13.48
Total Deposits, 5 Yr CAGR %	11.32	13.62	15.64	10.05	14.85
Tangible Book Value, 5 Yr. CAGR %	11.41	10.85	14.38	7.33	10.5
Common Equity, 5 Yr. CAGR %	14.36	13.61	16.78	6.31	9.41
Total Equity, 5 Yr. CAGR %	14.36	13.62	16.78	6.31	9.41