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First Abu Dhabi Bank
First Abu Dhabi Bank (FAB) investor relations material
First Abu Dhabi Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Net profit for FY 2025 reached AED 21.11 billion, up 24% year-on-year, with revenue at AED 36.68 billion, reflecting consistent progress in scale and value creation.
All FY 2025 financial guidance metrics were exceeded, with RoTE at 19.2%, well above medium-term guidance.
The board recommended a record cash dividend of 80 fils per share (AED 8.84 billion total), subject to shareholder approval.
Strong balance sheet fundamentals and robust capital position support sustained growth.
The Group operates across multiple geographies and business segments, with a diversified portfolio in corporate, consumer, private, and investment banking, as well as Islamic banking and real estate.
Financial highlights
Operating income rose to AED 36.68 billion (+16% yoy), driven by net interest income (+4% yoy) and non-interest income (+36% yoy).
Net profit for the year was AED 21.11 billion, a 24% increase year-over-year.
Total assets grew to AED 1,404 billion as of 31 December 2025, up from AED 1,213 billion the previous year.
Lending grew 17% and customer deposits rose 7% year-on-year; cost-to-income ratio improved to 22.4%.
Q4 2025 net profit was AED 5.09 billion, up 22% year-on-year; operating income up 17%.
Outlook and guidance
Loan growth for 2026 is guided at low- to mid-teens, building on 2025 momentum.
Cost of risk expected below 70 basis points, with provision coverage above 90%.
Medium-term RoTE reaffirmed above 16%; CET1 guidance maintained above 13.5%.
UAE real GDP growth forecasted at 5.6% for 2026, with a constructive macro backdrop and up to 50bps Fed rate cuts anticipated.
Management expects the Group to continue as a going concern for the foreseeable future.
Impairment Reserve's impact on Tier 1 capital
Pillar Two tax: deferred tax accounting impact
Impact of 2025 segment reorganization
AI's projected impact on efficiency and revenue
Future drivers of sustainable non-interest income
Future capital actions and buffer strategy
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Next First Abu Dhabi Bank earnings date
Q1 202629 Apr, 2026
First Abu Dhabi Bank
Next First Abu Dhabi Bank earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
First Abu Dhabi Bank P.J.S.C. (FAB) is a financial institution offering a wide range of banking and financial services to individuals, businesses, and government entities. The bank provides corporate and investment banking, retail banking, wealth management, and Islamic banking services. FAB operates across the Middle East, Africa, Europe, Asia, and the Americas. The company is headquartered in Abu Dhabi, United Arab Emirates, and its shares are listed on the ADX.
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