ADIB closed 2025 with a 16% bottom line jump

Abu Dhabi Islamic Bank (ADIB) reported a 20% y-o-y jump in 4Q net income after tax to AED 1.8 bn, alongside a 20% rise in operating income to AED 3.2 bn, as financing volumes and fee income offset the impact of lower rates, according to its full-year management discussion and analysis (pdf).

For 2025, ADIB posted AED 7.1 bn in net income after tax, up 16% y-o-y, on AED 12.3 bn in revenue, also up 16% y-o-y. Customer financing expanded 26% to AED 186 bn, deposits grew 25% to AED 229 bn, and non-funded income rose 17%, lifting fee income to 39% of operating revenue and pointing to more diversified income streams.

Capital and outlook: The bank proposed an AED 3.5 bn dividend, or 97 fils per share, marking an AED 495 mn boost from the last payout.

CBD posts AED 3.5 bn income for 2025

Commercial Bank of Dubai (CBD) reported a 15.5% y-o-y increase in net income to AED 3.5 bn in 2025, according to its financials (pdf) and a separate management discussion and analysis report (pdf). Total operating income increased 7.8% y-o-y to reach AED 5.9 bn, underpinned by a 9.3% uptick in interest income on the back of strong loan and CASA balances.

Driving the growth: The bank attributed its performance to strong customer demand, robust lending activity, and continued engagement from businesses and public sector investors. Demand from individuals and businesses led CBD to issue over AED 100 bn in loans, up 8.6% y-o-y.

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