First Abu Dhabi Bank (FAB) has reported a historic net profit of AED16.02 billion for the nine months ending September 30, 2025, marking a 24% year-on-year growth. The bank’s profit before tax rose 26% to AED19.25 billion, underlining sustained momentum across its business divisions.
Return on Tangible Equity (RoTE) remained strong at 20%, exceeding the bank’s medium-term guidance and reflecting disciplined capital deployment alongside robust operational performance.
Strong Revenue Growth Across All Segments
FAB’s total operating income climbed 16% year-on-year to AED27.65 billion, fueled by ongoing client activity and expanding strategic trade corridors. Net interest income grew modestly by 2% to AED14.96 billion, reflecting healthy loan and deposit volumes.
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Non-interest income surged 37% to AED12.7 billion, now representing 46% of total revenue. Fee and commission income rose 23%, while foreign exchange and investment income recorded a 45% jump, highlighting the bank’s diversified revenue model.
Robust Balance Sheet and Capital Position
Loans and advances expanded 13% year-to-date to AED596 billion, driven by broad-based demand and trade-linked financing. Customer deposits increased 8% to AED848 billion, signaling strong client confidence. Total assets reached AED1.38 trillion, up 14% year-to-date.
FAB maintained a solid capital and liquidity profile, with Common Equity Tier 1 (CET1) at 13.7% and a Liquidity Coverage Ratio (LCR) of 158%, comfortably above regulatory requirements. Its AA- credit rating further reflects its strength in the regional banking landscape.
Strategic Expansion and Innovation
The bank continues to enhance its international footprint, with operations in Europe, Türkiye, Nigeria, and a new branch in India. These moves reinforce FAB’s role as a key corridor bank in global trade and investment flows.
FAB has also accelerated the adoption of artificial intelligence across its operations, optimizing client services and operational efficiency, demonstrating its commitment to innovation in banking.
With record profits, diversified revenue streams, and a strong global presence, FAB is consolidating its position as a leading financial institution in the region. The bank’s growth reflects both operational excellence and strategic foresight, setting the stage for continued expansion in key markets.
