A robust full year performance driven by strong non-interest income, improved cost to income ratio and above-target synergies.

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5.247 bn

Net profit (AED)


Return on average tangible equity


CET 1 ratio

“ADCB’s strategy intends to leverage the opportunities created by the UAE’s ‘Next 50’ plan for national development.”

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Portrait of H.E. Khaldoon Khalifa Al Mubarak.
A man and woman walking along the shore, as a graphic for Net Loans displays above.

Reimagined future. Delivered every day.

The UAE has a confident, forward-looking spirit and is pressing ahead with a programme of economic and social reforms that make it one of the best places in the world to do business.

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We are proud to play a leading role in supporting the growth and diversification of the UAE economy.

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440 bn

Total assets (AED)

+7% YoY

265 bn

Total customer deposits (AED)

+5% YoY

59 bn

Total shareholders’ equity (AED)

+5% YoY

An aerial view of the ocean with four people in kayaks.

Sustainability now features as a key priority of the Bank’s strategic agenda.

We are committed to maximising our contribution to the UAE’s ambition for an inclusive, Net-Zero economy. As part of this commitment, we recognise the need for continuously improving the Bank’s Environment, Social and Governance (ESG) practices and disclosures.

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We continued to serve our customers and support our stakeholders, whilst accelerating digital transformation.

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Two people using automated teller machines.