Abu Dhabi Commercial Bank – Ratings Affirmed with a Stable Outlook

18 September 2026

Capital Intelligence Ratings (CI Ratings or CI) today announced that it has affirmed the Long-Term Foreign Currency Rating (LT FCR) and Short-Term Foreign Currency Rating (ST FCR) of Abu Dhabi Commercial Bank (ADCB or the Bank) at ‘A+’ and ‘A1’, respectively. At the same time, CI Ratings has affirmed ADCB’s Bank Standalone Rating (BSR) of ‘bbb+’, Core Financial Strength (CFS) rating of ‘bbb+’ and Extraordinary Support Level (ESL) of Very High. The Outlook for the LT FCR and the BSR is Stable.

The Bank’s LT FCR is set three notches above the BSR to reflect the ESL of Very High from the UAE government (sovereign ratings: ‘AA-’/‘A1+’/Stable), which has a good track record of supporting the banking system. It is our expectation that extraordinary support will be provided by the UAE government, which would be willing and is financially capable of assisting ADCB if required. Our ordinary support assessment takes into account the…