First Abu Dhabi Bank (FAB) investor relations material

Strategic positioning and market leadership

• Holds USD 384bn in assets, ranking among the top 100 banks globally and top 60 listed banks worldwide.

• Maintains a dominant 26% market share in UAE total assets and is recognized as the safest bank in the Middle East.

• Operates in over 20 markets across five continents, serving more than 4 million customers.

• AA- credit ratings from Moody's, Fitch, and S&P, with a stable outlook and strong market access.

• Recognized for top-tier profitability and resilience, consistently delivering ROTE above 16%.

Financial performance and growth

• H1'26 net profit reached AED 10.7bn, with operating income up 7% YoY to AED 19.5bn.

• Net interest income grew 14% YoY, supported by higher volumes and margin expansion; NIM at 1.97%.

• Cost-to-income ratio remained low at 21.8%, reflecting strong operating efficiency.

• Loans grew 16% YoY to AED 661bn, with deposits up 5% YoY to AED 853bn.

• CET1 ratio at 13.7%, above regulatory requirements, supporting future growth.

Business segments and diversification

• Investment Banking & Markets, Wholesale Banking, and Personal/Wealth Banking all contributed to growth.

• International operations contributed 22% of group revenue, with international lending up 6% YTD.

• Diversified loan and deposit books by geography and sector, with reduced real estate exposure.

• High-quality investment portfolio, with 66% investment grade and broad geographic exposure.

• Strong deposit franchise with a 49% CASA mix and robust liquidity (LCR 140%).