Abu Dhabi Islamic Bank (ADIB) on Wednesday announced a record-breaking performance for the first nine months of 2025, reporting a net profit before tax of Dh6.1 billion, up 16 percent year-on-year. The bank’s third-quarter results continued this momentum, with net profit after tax rising 14 percent to Dh1.83 billion.
ADIB’s return on equity (ROE) reached an industry-leading 30 percent, reflecting its strategic focus on capital optimization and diversified growth. Revenues for the period climbed 14 percent to Dh9.1 billion, driven by strong growth in both funded and non-funded income.
Chairman Jawaan Awaidah Al Khaili attributed the results to broad-based strength across the bank’s operations. “We reported another period of robust performance. Every business line performed exceptionally well, driven by heightened client activity and increased demand for financing,” he said. “The steady growth in both funded and non-funded income underscores the strength of our diversified revenue streams and the effectiveness of our enhanced cross-sell initiatives.”
Group CEO Mohamed Abdelbary highlighted the bank’s strategic execution and digital transformation as key drivers. “ADIB continues to demonstrate strong momentum, delivering consistent improvements in performance and returns quarter after quarter,” he said. “Our ability to effectively manage the balance sheet, expand our franchise, and capture market opportunities has enabled us to deliver another strong set of results for the third quarter, bringing first nine-month earnings to a new high with ROE at 30 percent.”
Funded income rose 13 percent to Dh5.5 billion, supported by a 21 percent increase in average earning assets and higher financing volumes. Non-funded income grew 17 percent to Dh3.6 billion, boosted by a 33 percent rise in investment income and an 18 percent increase in fees and commissions. Non-funded income now contributes 40 percent to operating income, up from 39 percent last year.
ADIB’s cost-to-income ratio improved to 28.3 percent, down 81 basis points year-on-year, reflecting enhanced productivity and disciplined expense management. Operating expenses rose 11 percent to Dh2.6 billion, driven by continued investments in talent, digital platforms, and technology.
The bank’s asset quality also improved, with the non-performing asset ratio dropping to 3.3 percent—its lowest level since 2016. Provision coverage (including collaterals) rose to 170.2 percent, while impairments increased by 14 percent to Dh511 million. The cost of risk remained stable at 0.46 percent.
ADIB’s balance sheet expanded significantly, with total assets reaching Dh270 billion, up 21 percent year-on-year. Customer financing grew 26 percent to Dh175 billion, and deposits rose 23 percent to Dh222 billion, with CASA deposits comprising 65 percent of the total.
The bank’s capital position remains strong, with a Common Equity Tier 1 ratio of 13.00 percent and a Capital Adequacy Ratio of 16.65 percent, both exceeding regulatory requirements. Shareholders’ equity increased 13 percent to Dh30.5 billion.
As part of its Vision 2035, ADIB aims to become the world’s most innovative Islamic bank, focusing on digital excellence, customer-centric solutions, and sustainability. The bank onboarded 225,000 new customers in the first nine months of 2025, with 75 percent joining through digital channels.
