First Abu Dhabi Bank (FAB) Q4 2025 earnings summary

Executive summary

• Net profit for FY 2025 reached AED 21.11 billion, up 24% year-on-year, with revenue at AED 36.68 billion, reflecting consistent progress in scale and value creation.

• All FY 2025 financial guidance metrics were exceeded, with RoTE at 19.2%, well above medium-term guidance.

• The board recommended a record cash dividend of 80 fils per share (AED 8.84 billion total), subject to shareholder approval.

• Strong balance sheet fundamentals and robust capital position support sustained growth.

• The Group operates across multiple geographies and business segments, with a diversified portfolio in corporate, consumer, private, and investment banking, as well as Islamic banking and real estate.

Financial highlights

• Operating income rose to AED 36.68 billion (+16% yoy), driven by net interest income (+4% yoy) and non-interest income (+36% yoy).

• Net profit for the year was AED 21.11 billion, a 24% increase year-over-year.

• Total assets grew to AED 1,404 billion as of 31 December 2025, up from AED 1,213 billion the previous year.

• Lending grew 17% and customer deposits rose 7% year-on-year; cost-to-income ratio improved to 22.4%.

• Q4 2025 net profit was AED 5.09 billion, up 22% year-on-year; operating income up 17%.

Outlook and guidance

• Loan growth for 2026 is guided at low- to mid-teens, building on 2025 momentum.

• Cost of risk expected below 70 basis points, with provision coverage above 90%.

• Medium-term RoTE reaffirmed above 16%; CET1 guidance maintained above 13.5%.

• UAE real GDP growth forecasted at 5.6% for 2026, with a constructive macro backdrop and up to 50bps Fed rate cuts anticipated.

• Management expects the Group to continue as a going concern for the foreseeable future.