Abu Dhabi Commercial Bank PJSC (ADX:ADCB)

ADX:ADCB Income Statement

Financials in millions AED. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	34,775	33,734	28,251	16,417	11,121	14,065
Interest Paid on Deposits	20,416	20,508	15,877	6,223	2,258	4,282
Net Interest Income	14,359	13,226	12,374	10,194	8,864	9,783
Net Interest Income Growth (YoY)	9.33%	6.89%	21.39%	15.01%	-9.40%	5.86%
Income From Trading Activities	2,515	2,064	1,593	912.79	675.77	555.29
Gain (Loss) on Sale of Assets	26.91	26.91	536.47	19.14	11.47	-44.97
Gain (Loss) on Sale of Investments	-299.21	-317.97	-103.41	-71.35	259.08	282.7
Other Non-Interest Income	5,480	4,481	2,957	3,290	2,449	1,895
Total Non-Interest Income	7,723	6,254	4,983	4,151	3,396	2,688
Non-Interest Income Growth (YoY)	28.05%	25.51%	20.05%	22.23%	26.31%	8.36%
Revenues Before Loan Losses	22,083	19,480	17,357	14,344	12,259	12,471
Provision for Loan Losses	3,940	2,874	3,477	2,779	2,646	3,993
Revenue	18,143	16,606	13,879	11,565	9,613	8,478
Revenue Growth (YoY)	12.35%	19.64%	20.01%	20.31%	13.38%	-9.52%
Salaries and Employee Benefits	3,395	3,289	3,026	2,745	2,432	2,549
Occupancy Expenses	369.25	362.59	378.39	407.26	401.15	403.91
Amortization of Goodwill & Intangibles	63.51	50.69	86.25	94.14	95.69	95.31
Selling, General & Administrative	2,232	2,258	1,924	1,619	1,323	1,475
Total Non-Interest Expense	6,151	6,020	5,453	4,897	4,250	4,508
EBT Excluding Unusual Items	11,992	10,585	8,427	6,669	5,363	3,970
Pretax Income	11,992	10,585	8,427	6,669	5,363	3,970
Income Tax Expense	1,315	1,166	220.65	135.07	99.61	120.36
Earnings From Continuing Operations	10,677	9,419	8,206	6,534	5,264	3,850
Earnings From Discontinued Operations	-	-	-	-99.82	-16.42	-40.77
Minority Interest in Earnings	0.1	1.48	0.72	1.58	-6.28	-2.8
Net Income	10,677	9,421	8,207	6,435	5,241	3,806
Preferred Dividends & Other Adjustments	641.8	685.66	393.48	182.27	173.7	277.29
Net Income to Common	10,035	8,735	7,813	6,253	5,067	3,529
Net Income Growth	14.79%	14.79%	27.53%	22.79%	37.70%	-20.54%
Basic Shares Outstanding	7,283	7,304	7,309	7,309	7,314	7,313
Diluted Shares Outstanding	7,320	7,320	7,320	7,320	7,320	7,320
Shares Change (YoY)	-	-	-	-	-	9.07%
EPS (Basic)	1.38	1.20	1.07	0.86	0.69	0.48
EPS (Diluted)	1.36	1.19	1.07	0.85	0.69	0.48
EPS Growth	13.88%	11.32%	25.76%	22.68%	43.59%	-28.49%
Dividend Per Share	0.590	0.590	0.560	0.171	0.352	0.257
Dividend Growth	5.36%	5.36%	227.29%	-51.35%	37.06%	-28.96%
Effective Tax Rate	10.96%	11.02%	2.62%	2.03%	1.86%	3.03%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.