Abu Dhabi Commercial Bank PJSC (ADX:ADCB)

ADX:ADCB Balance Sheet

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
Cash & Equivalents	9,589	18,353	26,073	25,118	19,173	29,410
Investment Securities	129,139	112,790	93,223	91,292	78,594	73,630
Trading Asset Securities	32,466	31,810	23,830	19,593	8,195	11,146
Total Investments	161,605	144,600	117,054	110,885	86,789	84,776
Gross Loans	447,243	391,257	340,999	296,814	276,062	265,038
Allowance for Loan Losses	-12,180	-9,940	-10,815	-11,885	-10,872	-11,524
Other Adjustments to Gross Loans	-	-	-	-	-	-3,749
Net Loans	435,063	381,317	330,185	284,929	265,190	249,765
Property, Plant & Equipment	925.98	1,886	1,888	1,938	2,064	2,059
Goodwill	-	6,754	6,754	6,754	6,754	6,754
Other Intangible Assets	7,671	218.66	295.67	398.68	541.17	636.77
Investments in Real Estate	1,530	1,716	1,741	1,692	1,675	1,644
Accrued Interest Receivable	6,170	5,195	4,543	3,342	2,434	2,612
Other Receivables	9,392	1,006	1,079	856.81	1,564	607.93
Restricted Cash	33,764	27,310	20,808	13,605	12,212	10,083
Other Current Assets	30,580	17,268	16,381	20,685	17,727	7,161
Other Long-Term Assets	47,984	47,191	40,393	27,640	24,156	15,647
Total Assets	744,273	652,814	567,194	497,842	440,278	411,156
Interest Bearing Deposits	332,624	282,763	234,252	196,224	154,352	165,459
Non-Interest Bearing Deposits	166,299	149,574	137,448	122,426	117,906	94,158
Total Deposits	498,923	432,337	371,700	318,650	272,258	259,618
Short-Term Borrowings	34,296	30,044	24,017	22,220	12,763	15,609
Current Portion of Long-Term Debt	49,037	43,992	39,503	29,113	20,979	12,951
Accrued Interest Payable	4,545	4,197	3,137	1,842	676.84	916.46
Other Current Liabilities	24,584	13,530	13,727	17,555	16,747	7,359
Long-Term Debt	45,113	44,695	37,150	40,762	51,520	52,445
Long-Term Leases	242.14	156.99	168.03	225.6	286.32	192.36
Long-Term Unearned Revenue	1,633	1,287	1,120	842.14	807.32	891.88
Pension & Post-Retirement Benefits	487.81	517.65	467.43	511.91	594.72	630.2
Other Long-Term Liabilities	5,903	6,490	4,951	4,694	4,277	3,943
Total Liabilities	664,764	577,247	495,941	436,416	380,908	354,555
Common Stock	7,320	7,320	7,320	6,957	6,957	6,957
Additional Paid-In Capital	17,879	17,879	17,879	17,879	17,879	17,879
Retained Earnings	46,196	42,989	38,383	32,143	28,348	25,003
Comprehensive Income & Other	8,111	7,374	7,665	4,439	6,176	6,758
Total Common Equity	79,505	75,562	71,247	61,418	59,360	56,597
Minority Interest	4.1	4.91	6.87	7.76	10.23	4.02
Shareholders' Equity	79,509	75,567	71,253	61,426	59,370	56,601
Total Liabilities & Equity	744,273	652,814	567,194	497,842	440,278	411,156
Total Debt	128,688	118,889	100,839	92,321	85,548	81,197
Net Cash (Debt)	-71,337	-53,776	-47,059	-42,070	-52,808	-40,413
Net Cash Per Share	-9.75	-7.35	-6.43	-5.75	-7.21	-5.52
Filing Date Shares Outstanding	7,270	7,311	7,318	7,310	7,310	7,316
Total Common Shares Outstanding	7,270	7,311	7,318	7,310	7,310	7,316
Book Value Per Share	9.73	9.14	8.54	7.58	7.30	6.92
Tangible Book Value	71,834	68,590	64,197	54,266	52,065	49,207
Tangible Book Value Per Share	8.68	8.18	7.58	6.60	6.30	5.91

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