Abu dhabi: First Abu Dhabi Bank (FAB) today announced a record Group net profit of AED16.02 billion for the nine-month period ended 30th September 2025, representing a 24 percent year-on-year increase, while Profit Before Tax grew 26 percent year-on-year to AED19.25 billion in 9M’25. Return on Tangible Equity (RoTE) stood at 20 percent, remaining well above the Bank’s medium-term guidance.
According to Emirates News Agency, FAB’s performance for the period was driven by strong execution throughout the franchise, delivering double-digit growth across all business divisions. This was driven by strong momentum in client activity, diversified revenue streams, and expanding contributions from strategic trade corridors. Operating income rose 16 percent year-on-year to AED27.65 billion, supported by sustained client activity during the period. Net interest income rose 2 percent year-on-year to AED14.96 billion, reflecting healthy volume growth.
Non-interest income surged 37 percent year-on-year to AED12.7 billion, accounting for 46 percent of Group revenue, supported by a 23 percent year-on-year rise in fees and commissions and a 45 percent year-on-year increase in FX and investment income. On the balance sheet, loans and advances grew 13 percent year-to-date to AED596 billion, driven by strong, broad-based demand and robust momentum in trade-linked financing and corridor activity. Customer deposits increased 8 percent to AED848 billion, reflecting continued client confidence and liquidity inflows.
Total assets reached AED1.38 trillion, up 14 percent year-to-date. Asset quality remained solid, supported by a prudent risk profile, while capital and liquidity buffers stayed comfortably above regulatory requirements. CET1 stood at 13.7 percent and LCR at 158 percent as of September-end 2025. FAB continues to hold one of the strongest combined credit ratings in the region (AA- or equivalent), displaying its solid capital position, balance sheet strength, and disciplined execution.
Hana Al Rostamani, Group Chief Executive Officer of FAB, commented on the bank’s achievements, stating that they continued to deliver on priorities across the franchise, deepening client relationships, diversifying revenue streams, and deploying capital efficiently to drive sustainable growth and returns. She noted the enhancement of the bank’s international footprint, deepening its position as a trusted banking partner in global trade and investment flows. The strategic expansion in Europe, Trkiye, Nigeria, and the opening of a new branch in India were highlighted as key developments strengthening FAB’s role as a leading corridor bank across key geographies.
Lars Kramer, Group Chief Financial Officer of FAB, remarked on the third-quarter performance, noting another strong set of results with net profit up 21 percent year-on-year to AED5.39 billion. He emphasized FAB’s commitment to supporting clients across all segments, maintaining strong momentum in lending, transaction volumes, and deposit flows.