First Abu Dhabi Bank Achieves Record Dh16 Billion Profit

First Abu Dhabi Bank records Dh16 billion profit in the first nine months of 2025 — its highest-ever earnings for this period — marking a 24% year-on-year increase. The UAE’s largest lender reported total assets of Dh1.38 trillion and operating income up 16% to Dh27.65 billion, reflecting robust growth across all business lines.

Net interest income rose 2% to Dh14.96 billion, while non-interest income surged 37% to Dh12.7 billion, now representing nearly half of total revenue. The bank also recorded a 23% rise in fee and commission income and a 45% jump in foreign exchange and investment income, supported by strong client activity.

Group CEO Hana Al Rostamani said the record performance highlights “strong client momentum, diversified revenue mix, and disciplined capital deployment.” She credited FAB’s AI-led transformation for doubling internal processing capacity and cutting turnaround times by 50%, with all employees now using AI tools.

International operations grew notably, with loan volumes up 23% and deposits up 18%, contributing 17% of total revenue. Key corridors in Asia, Europe, MENA, and the UK continued to strengthen FAB’s role as a major conduit for global trade and capital flows.

Group CFO Lars Kramer added that third-quarter net profit rose 21% year-on-year to Dh5.39 billion, citing robust loan demand, deposit growth, and successful bond issuances — including FAB’s first-ever Blue Bond and Low Carbon Energy Bond, both regional firsts.

With a capital adequacy ratio of 13.7%, and liquidity coverage ratio of 158%, FAB remains one of the strongest banks globally. The lender continues expanding into new markets, including Europe, Turkey, Nigeria, and India, while maintaining its AA- credit rating.

As FAB enters the final quarter of 2025, the bank expects continued momentum into 2026, supported by strong balance sheet fundamentals, advanced technology use, and a growing international presence.