UAE-based Abu Dhabi Commercial Bank (ADCB) reported a net profit of AED2.57bn ($700m) for the second quarter of 2025, marking an 11% increase from the same period last year. The growth was driven by higher trading income and significant gains in operational efficiency.

Pre-tax profit rose 17% to AED3.04bn, while operating income increased 22% year-on-year to AED5.73bn. Non-interest income grew 44% in the quarter, supported by an 82% rise in trading revenue and a 15% increase in fee and commission income.

The lender’s cost-to-income ratio fell to a record low of 26.4%, down from 32.6% in Q2 2024, as the bank accelerated adoption of artificial intelligence and digital onboarding processes.

Net customer loans rose 14% to AED378bn, while total deposits reached AED463bn. Current and savings accounts accounted for AED207bn, or 45% of total deposits as of the end of June.

Capital and liquidity indicators remained strong. The bank reported a common equity tier 1 capital ratio of 12.21% and a non-performing loan ratio of 2.02%, with provision coverage of 173%.

ADCB added over 68,000 new retail customers during the quarter, with digital channels accounting for more than 60% of new client acquisitions.