First Abu Dhabi Bank (FAB), the UAE’s largest lender and among the world’s most robust financial institutions, reported a record group net profit of Dhs16.02bn for the nine months ending September 30, 2025, marking a 24 per cent increase compared with the same period last year.
Profit before tax climbed 26 per cent to Dhs19.25bn, while return on tangible equity (RoTE) reached 20 per cent, surpassing the bank’s medium-term targets.
The bank’s strong performance was supported by double-digit growth across all business segments, driven by diversified revenue streams, high client engagement, and growing contributions from key trade corridors. Operating income rose 16 per cent year-on-year to Dhs27.65bn.
Net interest income increased 2 per cent to Dhs14.96bn, while non-interest income surged 37 per cent to Dhs12.7bn, representing 46 per cent of total group revenue. Fees and commissions grew 23 per cent, and foreign exchange and investment income jumped 45 per cent.
Loans and advances expanded 13 per cent year-to-date to Dhs596bn, supported by strong trade-linked financing, while customer deposits increased 8 per cent to Dhs848bn. Total assets reached Dhs1.38tn, reflecting a 14 per cent year-to-date growth.
Asset quality remained robust, with a common equity tier 1 (CET1) ratio of 13.7 per cent and a liquidity coverage ratio (LCR) of 158 per cent. FAB continues to hold one of the region’s strongest combined credit ratings at AA- or equivalent.
In the third quarter, FAB posted a net profit of Dhs5.39bn, up 21 per cent year-on-year, driven by increased client activity across lending, deposits, and transactions.
Hana Al Rostamani, group CEO of FAB, stated: “FAB delivered record results in the first nine months of 2025, with group revenue reaching Dhs27.65bn and net profit surpassing Dhs16bn, up 16 per cent and 24 per cent year-on-year, respectively. Return on tangible equity stood at 20 per cent, well above our medium-term target.
“Across our operations, we have deepened client relationships, diversified revenue sources, and deployed capital efficiently to ensure sustainable growth. Our international expansion in Europe, Turkey, Nigeria, and the forthcoming branch in India underscores FAB’s role as a leading corridor bank across strategic geographies.”
