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# ADCB UAE Reports AED 2.9 Billion Pre-Tax Profit in Q1 2025, Up 20%, as Net Advances Grow 13%
- URL: https://www.theglobalbanker.com/adcb-q1-2025-pretax-profit-aed-2-9-billion-up-20-net-advances-grow-13/
- Published: 2025-04-29T18:16:00.000Z
- Updated: 2026-10-02T13:58:03.000Z
- Description: Abu Dhabi Commercial Bank posted Q1 2025 profit before tax of AED 2.907 billion, up 20% year-on-year, while net advances rose 13% to AED 359.5 billion and loan quality improved.
- Author: TGB Editorial Team
- Tags: Banking News, MENA, #archive

Abu Dhabi Commercial Bank (ADCB) reported profit before tax of AED 2.907 billion for the first quarter of 2025, a 20% increase year-on-year, with net profit after tax of AED 2.446 billion, the bank said in its results announcement. 

Net advances grew 13% year-on-year to AED 359.5 billion. 

#### LOAN QUALITY AND INCOME

Loan quality improved during the quarter. Net interest income rose 3% to AED 3.39 billion, while non-interest income rose 26% to AED 1.62 billion and the cost-to-income ratio improved to 29.2%. 

ADCB has built a franchise spanning retail banking, private banking, corporate banking and treasury operations, with its primary market in the UAE complemented by a presence in Egypt through the ADCB Egypt subsidiary. 

#### DEPOSITS AND CAPITAL ADCB's non-interest income rose 26% year-on-year to AED 1.62 billion in the quarter, while customer deposits grew 15% to AED 442 billion, with current and savings accounts making up 45% of the total. The bank's CET1 ratio stood at 12.56% at the end of March, while its NPL ratio improved to 2.24% and provision coverage rose to 260%.