ABU DHABI – It’s been a banner year for Abu Dhabi Islamic Bank (ADIB). The lender announced on Thursday that it generated an ADIB profit of Dh8.1 billion (before tax) for the full year of 2025, a historic high that reflects the broader economic momentum we’re seeing across the Emirates right now.
According to filings posted on the Abu Dhabi Securities Exchange (ADX), the bank’s net profit after tax, AED7.1 billion, represents a solid 16 per cent jump from the previous year. It’s a clear signal that the bank’s strategy—focusing heavily on digital services while expanding its corporate book—is paying off.
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Breaking Down the Record Numbers
The headlines here are all about growth. The bank achieved a record full-year profit in 2025 largely because it was firing on all cylinders. Total revenues hit a new ceiling of AED 12.3 billion, marking a revenue growth 16% year-on-year.
Mohamed Abdelbary, the Group CEO, noted that the results stemmed from a mix of new customer acquisition and just generally higher volumes of business. It wasn’t just about lending, either.
Here’s how the books looked:
- Net profit before tax 18% growth: This hit the AED 8.1 billion mark.
- Funded income rise: Up 15 per cent to AED 7.6 billion.
- Non-funded income increase: This segment—which covers fees and commissions—jumped 17 per cent to AED 4.8 billion.
- Profit margin improvement 4.11%: Margins are looking healthier, showing they are managing their cost of funds well.
Things actually picked up speed as the year closed out. The bank saw a fourth-quarter profit surge 25% (pre-tax), bringing in roughly AED 2.05 billion in the final three months alone.
Shareholders Get a Pay Raise
For investors holding ADIB stock, the report brings good news. The Board has recommended a dividend boost, proposing a cash dividend of 97 fils per share.
That’s a significant hike from last year’s payout. In total, the bank is looking at a total dividend payout of AED3.5bn. To put that in perspective, the proposed dividend equals 50% of net profit, which is a fairly generous split between rewarding shareholders and keeping cash on hand for future growth.
Jawaan Awaidah Al Khaili, ADIB’s Chairman, said the bank is shifting gears toward sustainable shareholder value growth as part of its 2035 vision.
Strong Balance Sheet and Future Outlook
The balance sheet is undeniably heavy. Total assets swelled by 24 per cent to AED 281 billion, while deposits climbed 25 per cent to AED 229 billion.
Looking ahead, the bank seems positioned to ride the current wave of infrastructure and corporate spending in Abu Dhabi. If 2025 was about setting records, 2026 will likely be about maintaining that momentum in a competitive market.
