Abu Dhabi Commercial Bank PJSC (ADX:ADCB)

ADX:ADCB Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	11,491	9,558	8,054	26,073	25,118	19,173
Investment Securities	133,098	138,353	112,789	93,223	91,292	78,594
Trading Asset Securities	56,873	36,835	31,811	23,830	19,593	8,195
Total Investments	189,971	175,188	144,600	117,054	110,885	86,789
Gross Loans	500,088	442,371	391,257	340,999	296,814	276,062
Allowance for Loan Losses	-8,828	-8,040	-9,940	-10,815	-11,885	-10,872
Net Loans	491,260	434,331	381,317	330,185	284,929	265,190
Property, Plant & Equipment	855	964	1,186	1,888	1,938	2,064
Goodwill	-	6,754	6,754	6,754	6,754	6,754
Other Intangible Assets	7,743	904	918	295.67	398.68	541.17
Investments in Real Estate	809	1,193	1,716	1,741	1,692	1,675
Accrued Interest Receivable	7,151	6,333	5,195	4,543	3,342	2,434
Other Receivables	19,182	22,184	11,306	1,079	856.81	1,564
Restricted Cash	39,093	35,153	27,310	20,808	13,605	12,212
Other Current Assets	39,302	34,186	17,267	16,381	20,685	17,727
Other Long-Term Assets	83,134	46,906	47,191	40,393	27,640	24,156
Total Assets	889,991	773,654	652,814	567,194	497,842	440,278

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	396,723	339,834	282,763	234,252	196,224	154,352
Non-Interest Bearing Deposits	185,181	179,027	149,574	137,448	122,426	117,906
Total Deposits	581,904	518,861	432,337	371,700	318,650	272,258
Short-Term Borrowings	50,569	36,984	30,044	24,017	22,220	12,763
Current Portion of Long-Term Debt	73,800	48,195	43,992	39,503	29,113	20,979
Accrued Interest Payable	4,998	3,818	4,197	3,137	1,842	676.84
Other Current Liabilities	28,914	26,542	13,530	13,727	17,555	16,747
Long-Term Debt	48,203	41,599	44,695	37,150	40,762	51,520
Long-Term Leases	372	268	157	168.03	225.6	286.32
Long-Term Unearned Revenue	2,255	1,904	1,287	1,120	842.14	807.32
Pension & Post-Retirement Benefits	544	528	518	467.43	511.91	594.72
Other Long-Term Liabilities	7,355	6,214	6,490	4,951	4,694	4,277
Total Liabilities	798,914	684,913	577,247	495,941	436,416	380,908

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	7,912	7,912	7,320	7,320	6,957	6,957
Additional Paid-In Capital	17,879	17,879	17,879	17,879	17,879	17,879
Retained Earnings	59,812	54,907	42,989	38,383	32,143	28,348
Comprehensive Income & Other	5,471	8,039	7,374	7,665	4,439	6,176
Total Common Equity	91,074	88,737	75,562	71,247	61,418	59,360
Minority Interest	3	4	5	6.87	7.76	10.23
Shareholders' Equity	91,077	88,741	75,567	71,253	61,426	59,370
Total Liabilities & Equity	889,991	773,654	652,814	567,194	497,842	440,278

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	172,944	127,046	118,888	100,839	92,321	85,548
Net Cash (Debt)	-62,419	-64,247	-64,074	-47,059	-42,070	-52,808
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-7.99	-8.57	-8.56	-6.43	-5.75	-7.21
Filing Date Shares Outstanding	7,852	7,895	7,311	7,318	7,310	7,310
Total Common Shares Outstanding	7,852	7,895	7,311	7,318	7,310	7,310
Book Value Per Share	10.48	10.13	9.14	8.54	7.58	7.30
Tangible Book Value	83,331	81,079	67,890	64,197	54,266	52,065
Tangible Book Value Per Share	9.50	9.16	8.09	7.58	6.60	6.30

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 29, 2026

Data Sources Report a data error