{"id":108881,"date":"2025-10-28T00:00:00","date_gmt":"2025-10-28T00:00:00","guid":{"rendered":"https:\/\/enterpriseam.com\/uae\/adcb-and-united-arab-bank-see-jump-in-3q-net-income\/"},"modified":"2025-10-28T00:00:00","modified_gmt":"2025-10-28T00:00:00","slug":"adcb-and-united-arab-bank-see-jump-in-3q-net-income","status":"publish","type":"post","link":"https:\/\/enterpriseam.com\/uae\/2025\/10\/28\/adcb-and-united-arab-bank-see-jump-in-3q-net-income\/","title":{"rendered":"ADCB and United Arab Bank see jump in 3Q net income"},"content":{"rendered":"

ABU DHABI COMMERCIAL BANK-<\/p>\n

Abu Dhabi Commercial Bank (ADCB) reported a 29% y-o-y increase in n<\/strong>et <\/strong>income <\/strong>to AED 3.1 bn in 3Q 2025<\/strong>, according to its financials (pdf)<\/a> and a separate earnings release (pdf)<\/a>. Operating income rose 25% y-o-y to AED 5.9 bn, supported by a 21% jump in net interest income on the back of higher volumes to AED 3.8 bn and a 32% increase in non-interest income to AED 2.1 bn.<\/p>\n

For 9M 2025<\/strong>, net income rose 18% y-o-y to AED 8.1 bn, while operating income grew 19% to AED 16.6 bn. Non-interest income climbed 34% y-o-y to AED 5.8 bn, driven by higher fees, trading income, and gains from loan sales, as well as continued cost discipline and robust core operations. Total assets increased 17% y-o-y to AED 744.2 bn.<\/span><\/p>\n

REMEMBER- ADCB has been cleaning up its balance sheet: <\/strong>The lender plans to lift its Common Equity Tier 1 ratio by around 120 bps through a AED 6.1 bn rights issue<\/a> \u2014 to which sovereign wealth fund Mubadala intends to fully subscribe \u2014 and recently sold USD 1.4 bn<\/a> in distressed loans to Davidson Kempner. It is also reportedly in talks<\/a> with advisors to undertake Significant Risk Transfers \u2014 transactions that would help offload credit risk ahead of higher regulatory buffers expected next year. <\/p>\n

Looking ahead<\/strong>, ADCB said it is embedding artificial intelligence across its operations under a new transformation program (pdf)<\/a> aimed at unlocking over AED 4 bn in value. The initiative, led by a newly appointed chief AI officer, will integrate more than 150 AI use cases across the bank\u2019s business lines to support its medium-term goal of doubling net income to AED 20 bn within five years<\/a>.<\/p>\n

UNITED ARAB BANK-<\/p>\n

United Arab Bank (UAB) reported a 46% y-o-y increase in net income to AED 108<\/strong> mn in <\/strong>3Q 2025<\/strong>, according to its financials (pdf)<\/a> and earnings release (pdf)<\/a>. Operating income for the quarter rose 36% y-o-y to AED 206.8 mn, driven by higher net interest and non-interest income, and supported by continued recoveries and cost control.<\/p>\n

For 9M 2025<\/strong>, net income climbed 49% y-o-y to AED 315.6 mn, while total income rose 28% to AED 580.4 mn. Loans and Islamic financing grew 31% y-o-y to AED 14.1 bn, and total assets reached AED 24.5 bn, up 22% y-o-y. The lender said profitability was bolstered by higher asset yields, recoveries, and improved efficiency, with its cost-to-income ratio narrowing to 46.2%.<\/p>\n

REMEMBER- <\/strong>UAB also completed a fully subscribed AED 1.03 bn rights issue<\/a> during the quarter, boosting its capital adequacy ratio to 22.8%.<\/p>\n","protected":false},"excerpt":{"rendered":"

The AI-led transformation targets over AED 4 bn in value<\/p>\n","protected":false},"author":1,"featured_media":108882,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"newspack_ads_suppress_ads":false,"newspack_popups_has_disabled_popups":false,"newspack_sponsor_sponsorship_scope":"","newspack_sponsor_native_byline_display":"inherit","newspack_sponsor_native_category_display":"inherit","newspack_sponsor_underwriter_style":"inherit","newspack_sponsor_underwriter_placement":"inherit","ep_exclude_from_search":false,"_primary_brand":0,"newspack_featured_image_position":"","newspack_post_subtitle":"","newspack_article_summary_title":"Overview:","newspack_article_summary":"","newspack_hide_updated_date":false,"newspack_show_updated_date":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1596],"tags":[215,237,7,1005],"brand":[],"newspack_spnsrs_tax":[],"class_list":["post-108881","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-earnings-watch","tag-abu-dhabi-commercial-bank","tag-earnings-watch","tag-enterpriseam-uae","tag-united-arab-bank","wpautop","entry"],"acf":{"mongo_id":"081b7792-3397-4b05-9b02-d6ef3713e27e","order":"9","is_powered_by":false,"story_type":"1","photo_url":"https:\/\/ent.news\/2025\/1\/1962.jpg","photo_position":"above","homepage_title":"","full_issue_title":"ADCB and United Arab Bank see jump in 3Q net income","related_issue":[108865],"teaser":"The AI-led transformation targets over AED 4 bn in value","voice_url":"https:\/\/s3.us-east-1.amazonaws.com\/ent.news\/audio\/2025\/10\/.43854d36-1629-411b-a2c4-38785c42c743.mp3"},"yoast_head":"\nADCB and United Arab Bank see jump in 3Q net income - 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