Abu Dhabi Commercial Bank (ADCB) investor relations material

Business overview and market position

• Third-largest bank by total assets in the UAE, with AED 833 bn in assets and AED 114 bn market capitalization as of June 2026.

• Market share of 16.2% in net loans and 14.3% in deposits, with a strong domestic loan focus (70%).

• Over 2.2 million retail customers and a diversified branch network across UAE, Egypt, and Kazakhstan.

• Majority ownership by Mubadala (60.77%), with significant domestic and foreign investor participation.

• Maintains high credit and ESG ratings from S&P, Fitch, MSCI, and Sustainalytics, reflecting strong governance and risk management.

Financial performance highlights

• Achieved record H1'26 profit before tax of AED 7.607 bn (+28% YoY) and net profit after tax of AED 6.737 bn (+34% YoY), with ROAE at 16.2%.

• Non-interest income rose 22% YoY to AED 4.51 bn, now 38% of operating income, driven by higher fee and trading income.

• Cost-to-income ratio improved to 26.8% in H1'26, reflecting disciplined cost management and productivity gains.

• Net loans grew 10% YTD to AED 445 bn, and customer deposits increased 5% YTD to AED 527 bn.

• Maintained robust capital (CET1 13.66%) and liquidity (LCR 109.5%) positions.

Asset quality and risk management

• Cost of risk reduced to 38 bps in H1'26, with NPL ratio at a record low of 1.71%.

• Provision coverage ratio increased to 159.4%, and portfolio remains well-diversified across sectors and geographies.

• Retail portfolio outperforms market in delinquency rates across personal, mortgage, and auto loans.

• Real estate exposure is tightly managed, with strict underwriting and 77% of commercial real estate loans to completed, income-generating projects.