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Investor Relations14 Oct 2025
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First Abu Dhabi Bank (FAB) investor relations material
First Abu Dhabi Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Achieved record H1'25 net profit of AED 10.65bn, up 26% year-over-year, with 20.5% ROTE, supported by strong revenue momentum and broad-based business growth.
Total assets reached AED 1.34tr (+11% year-to-date), loans AED 568bn (+7% ytd), and deposits AED 813bn (+4% ytd), reflecting expansion in UAE and international markets.
Maintained robust balance sheet with high-quality assets, strong liquidity, and AA- credit rating.
The group reorganized its operating segments to align with a customer-centric strategy, impacting segment reporting.
Major acquisition completed: Network International through BCP VI Neptune Bidco Holdings Limited.
Financial highlights
H1'25 operating income rose 16% year-over-year to AED 18.31bn, with non-interest income up 41% and net interest income up 2%.
Net profit after tax for H1'25 was AED 10.65bn (+26% yoy), despite a 41% increase in taxes and NCI due to UAE corporate tax.
Q2'25 net profit after tax was AED 5.51bn (+29% yoy, +7% qoq); operating income AED 9.50bn (+22% yoy, +8% qoq).
Operating expenses for H1'25 were AED 4.00bn (+4% yoy), with a cost-to-income ratio of 21.8% (down from 24.4% in H1'24).
Impairment charges fell 23% yoy to AED 1.48bn, reflecting strong asset quality.
Outlook and guidance
Upgraded 2025 loan growth guidance to low double-digit, reflecting a healthy pipeline.
FY25 ROTE guidance remains above 16%; CET1 target above 13.5%.
UAE real GDP growth forecast at 5.2% for FY25; oil price assumption at $67/bbl.
Interest rates expected to see up to 2 cuts in H2'25 and 3-4 cuts in FY26.
Management confirmed a going concern basis and adequate resources for the foreseeable future.
What's driving the increase in commercial paper?
Assess impact of Pillar Two tax rules.
Explain the reorganisation of operating segments.
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Next First Abu Dhabi Bank earnings date
Q3 202524 Oct, 2025
Next First Abu Dhabi Bank earnings date
Q3 202524 Oct, 2025
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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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