FAB Reports Record Net Profit Of AED16 Billion For 9M’25, Up 24 Percent Year-on-Year

First Abu Dhabi Bank (FAB) reported a record Group net profit of AED16.02 billion for the nine months ending 30th September 2025. This marks a 24% increase compared to the previous year. Profit Before Tax also rose by 26% year-on-year, reaching AED19.25 billion in the same period.

Operating income increased by 16% year-on-year to AED27.65 billion, driven by consistent client activity. Net interest income saw a modest rise of 2% year-on-year, amounting to AED14.96 billion, indicating healthy volume growth. Non-interest income experienced a significant surge of 37% year-on-year, reaching AED12.7 billion and making up 46% of the Group's revenue.

The bank's Return on Tangible Equity (RoTE) was at 20%, exceeding its medium-term guidance. FAB's performance was bolstered by robust execution across its divisions, achieving double-digit growth in all business areas. This success was attributed to strong client activity momentum, diverse revenue streams, and increased contributions from strategic trade corridors.

Loans and advances grew by 13% year-to-date, reaching AED596 billion due to strong demand and momentum in trade-linked financing and corridor activities. Customer deposits rose by 8%, totalling AED848 billion, reflecting ongoing client confidence and liquidity inflows.

Total assets climbed to AED1.38 trillion, marking a 14% increase year-to-date. Asset quality remained robust due to a prudent risk profile, while capital and liquidity buffers comfortably exceeded regulatory requirements. As of September-end 2025, CET1 stood at 13.7%, with an LCR of 158%. FAB maintains one of the strongest credit ratings in the region (AA- or equivalent), showcasing its solid capital position and balance sheet strength.

Hana Al Rostamani, Group CEO of FAB, stated: "Across the franchise, we continued to deliver on our priorities, deepening client relationships, diversifying revenue streams, and deploying capital efficiently to drive sustainable growth and returns." She highlighted the bank's progress in adopting AI technologies that have had measurable impacts across the Group.

Strategic Expansion Efforts

The bank has enhanced its international presence and strengthened its role as a trusted partner in global trade and investment flows. As part of its strategic expansion efforts in Europe, Türkiye, Nigeria, and India with a new branch opening there soon.

Lars Kramer, Group CFO of FAB, remarked: "FAB’s third-quarter performance marked another strong set of results with net profit up 21 percent year-on-year to AED5.39 billion." He emphasised their commitment to supporting clients across all segments while maintaining strong lending momentum.

The bank's disciplined execution continues to reinforce its leadership position in intelligence-driven innovation within the banking sector.

With inputs from WAM