Abu Dhabi Islamic Bank (ADIB) posted a pre-tax profit of Dh4 billion for the first half of 2025, up 16% from the same period last year, supported by balance sheet growth and stronger customer activity. Net profit after tax rose 15% to Dh3.5 billion.
For the second quarter, pre-tax profit increased 14% year-on-year to Dh2 billion, while net profit after tax grew 13% to Dh1.8 billion.
Total income for H1 reached Dh5.9 billion, a year-on-year increase of 11%, with income from funding up 9% to Dh3.6 billion. The bank said the rise was driven by higher business volumes and stable returns, despite a decline in benchmark profit rates across the market.
Non-funding income rose 15% to Dh2.3 billion, with fee income jumping 28% due to increased product sales across retail and corporate banking. Non-funding income now makes up 39% of total income.
The bank maintained a net profit margin of 4.27%, in line with internal targets. The cost-to-income ratio declined to 28.2%, down from 28.6% a year earlier, amid higher revenues and productivity gains. Operating expenses rose 9% to Dh1.7 billion as ADIB continued investing in technology and staffing.
ADIB’s performance follows strong Q2 and H1 results across the UAE banking sector. According to Central Bank data, system-wide credit growth in the UAE remained stable in the first half, while liquidity conditions eased slightly compared to late 2024. ADIB’s results place it among the top performers by profit growth in the Islamic banking segment.
