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Visual22 Oct 2025
Epiroc's cash spent on M&A
First Abu Dhabi Bank (FAB) investor relations material
First Abu Dhabi Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Record net profit of AED 16.02 billion for the first nine months of 2025, up 24% year-on-year, with ROTE at 20%, driven by strong operating momentum and diversified revenue streams.
Group revenue rose 16% year-on-year to AED 27.65 billion, supported by resilient margins and broad-based franchise and international expansion.
Total assets grew 14% year-to-date to AED 1.38 trillion, reflecting strong loan and deposit growth and franchise expansion.
All business divisions achieved record revenue, with international operations contributing significantly.
Entering Q4 2025 with strong momentum and confidence in meeting full-year guidance.
Financial highlights
Net profit for the nine months rose 24% year-on-year to AED 16.02 billion, absorbing the UAE corporate tax rate increase from 9% to 15%.
Operating income for the nine months was AED 27.65 billion, up 16% year-on-year; Q3 operating income was AED 9.34 billion, up 14% year-on-year.
Operating expenses increased 4% year-on-year to AED 6.07 billion, mainly due to investments in technology and AI, with a cost-to-income ratio of 22%.
Net impairment charge for nine months was AED 2.33 billion, down 18% year-on-year, with cost of risk at 55 bps, below guidance.
Customer deposits reached AED 848 billion, up AED 66 billion since December.
Outlook and guidance
Loan growth guidance remains at low double digits, with 13% year-to-date growth already achieved.
2025 expected to be a record year, with return on tangible equity at 20%, ahead of guidance.
UAE GDP growth forecast to accelerate from 5.2% in 2025 to 5.6% in 2026.
Anticipates two more rate cuts by year-end and two to three additional cuts next year.
Management confirmed the Group's ability to continue as a going concern and compliance with all regulatory requirements.
Pillar Two tax impact on income tax?
Why did total loss allowance decrease?
Explain the FX loss swing.
NIM outlook given rate cuts?
International expansion strategy?
Dividend policy evolution?
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Next First Abu Dhabi Bank earnings date
Q4 202528 Jan, 2026
Next First Abu Dhabi Bank earnings date
Q4 202528 Jan, 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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