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Abu Dhabi Commercial Bank

ADX:ADCBFinanceADX:FADGIADX:FADSI

AED 16.30+1.37%At closeAt close · Mon 19 Oct · Market cap $35.1B · Next earnings Wed 28 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	YoY
Operating margin	51.3%	56.3%	46.4%	33.9%	33.5%	37.8%	+4.3 pts
Net margin	19.9%	32.7%	29.0%	22.8%	21.1%	24.4%	+3.3 pts
Return on equity	7.0%	9.5%	11.3%	12.5%	13.1%	13.5%	+0.4 pts
Return on assets	0.9%	1.2%	1.3%	1.4%	1.3%	1.4%	+0.1 pts
Return on capital employed	3.7%	3.7%	3.7%	3.6%	3.7%	3.9%	+0.3 pts
Debt / equity	1.7×	1.7×	1.7×	1.6×	1.7×	1.6×	−8.1%
Debt / assets	20.6%	20.9%	18.4%	18.0%	17.6%	16.4%	−1.3 pts
Interest coverage	8.3×	10.5×	4.9×	2.2×	2.4×	3.0×	+27.0%
Current ratio	0.3×	0.3×	0.4×	0.3×	0.4×	0.4×	+10.0%
Quick ratio	0.3×	0.3×	0.4×	0.3×	0.4×	0.4×	+10.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	−9.7%
Dividend payout	74.9%	37.1%	41.2%	16.0%	46.9%	40.0%	−7.0 pts