First Abu Dhabi Bank (FAB) Investor presentation summary

Strategic positioning and market leadership

• Holds over USD 400bn in assets, ranking as the largest bank in the Middle East and Africa and among the top 100 globally.

• Maintains a dominant UAE franchise with a 28% market share and strong presence across 20+ markets on five continents.

• Recognized for its AA- or equivalent credit rating, the highest among MENA banks, and robust ESG credentials.

• Delivers a developed-market risk profile with emerging-market returns, consistently achieving ROTE above 16%.

• Anchored to the UAE’s long-term growth agenda, leveraging scale, innovation, and AI.

Financial performance and operational resilience

• Q1'26 revenue rose 6% YoY to AED 9.34bn, with net profit at AED 5.01bn and ROTE at 17.8%.

• Loans grew 8% YTD and customer deposits increased 4%, with total assets surpassing USD 400bn.

• Maintained strong capital (CET1 12.8%), liquidity (LCR 145%), and asset quality (NPL ratio 2.1%).

• Operating expenses increased 7% YoY, reflecting franchise expansion and strategic investments.

• Impairment charges included AED 300mn overlays, with provision coverage at 110%.

Diversified business model and global connectivity

• Revenue is well-diversified across investment banking, wholesale, and personal banking divisions.

• International operations contributed 24% of group revenue, with lending up 11% YTD.

• Broad-based lending and deposit growth, with a diversified loan book by sector and geography.

• Raised AED 8.6bn in senior wholesale funding in Q1'26, with a diversified funding and investor base.