First Abu Dhabi Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Assets
Cash & Equivalents	285.13B	226.16B	182.88B	202.06B	167.57B
Total Assets	1.40T	1.38T	1.34T	1.31T	1.21T
Investment Securities	290.59B	280.64B	306.69B	277.78B	263.67B
Trading Assets	114.81B	124.60B	116.50B	105.57B	101.92B
Gross Loans	632.72B	614.47B	587.51B	570.50B	550.51B
Net Loans	616.33B	596.14B	568.04B	548.27B	528.90B
Allowance for Loan Losses	-9.36B	-11.22B	-12.00B	-14.08B	-13.79B
Liabilities
Total Deposits	978.57B	982.65B	941.30B	939.21B	854.28B
Interest-Bearing Deposits	619.25B	658.92B	586.35B	605.14B	526.92B
Non-Interest-Bearing Deposits	359.32B	323.73B	354.94B	334.07B	327.35B
Total Debt	213.00B	195.50B	210.19B	178.02B	175.62B
Total Liabilities	1.26T	1.24T	1.21T	1.18T	1.08T
Equity & Ownership
Total Equity	146.89B	138.40B	132.97B	127.47B	130.88B
Shares Outstanding	11,047,612,688	11,047,612,688	11,047,612,688	11,047,612,688	11,047,612,688
Cash & Assets
Total Assets	1.40T	1.38T	1.34T	1.31T	1.21T
Cash & Equivalents	285.13B	226.16B	182.88B	202.06B	167.57B
Net Cash (Debt)	316.06B	267.40B	216.84B	235.61B	190.79B
Net Cash Per Share	28.55	24.20	19.63	21.33	16.40
Net Cash Growth	+65.7%	+15.5%	+35.5%	+2.7%	-23.0%
Other Receivables	5.72B	—	—	—	4.80B
Restricted Cash	7.39B	63.38B	81.62B	88.76B	68.96B
Property, Plant & Equipment	5.39B	4.92B	5.22B	5.01B	4.68B
Goodwill	18.69B	18.69B	18.69B	18.69B	18.69B
Other Intangible Assets	1.05B	1.10B	1.15B	1.20B	1.25B
Investments in Real Estate	7.93B	8.06B	8.13B	8.17B	8.17B
Other Current Assets	11.77B	—	—	—	12.63B
Other Long-Term Assets	—	58.60B	54.47B	51.05B	—
Long-Term Deferred Tax Assets	161.00M	—	—	—	423.00M
Long-Term Leases	—	—	—	—	—
Current Portion of Leases	—	—	—	—	—
Loans & Investments
Gross Loans	632.72B	614.47B	587.51B	570.50B	550.51B
Net Loans	616.33B	596.14B	568.04B	548.27B	528.90B
Allowance for Loan Losses	-9.36B	-11.22B	-12.00B	-14.08B	-13.79B
Investment Securities	290.59B	280.64B	306.69B	277.78B	263.67B
Trading Asset Securities	114.81B	124.60B	116.50B	105.57B	101.92B
Total Investments	405.40B	405.24B	423.19B	383.36B	365.59B
Other Adjustments to Gross Loans	-7.04B	-7.11B	-7.47B	-8.16B	-7.83B
Liabilities & Obligations
Total Liabilities	1.26T	1.24T	1.21T	1.18T	1.08T
Total Liabilities & Equity	1.40T	1.38T	1.34T	1.31T	1.21T
Accounts Payable	24.00B	—	—	—	17.17B
Accrued Expenses	—	—	—	—	—
Accrued Interest Payable	33.04B	—	—	—	26.77B
Accrued Interest Receivable	38.91B	—	—	—	31.59B
Current Income Taxes Payable	3.14B	—	—	—	2.10B
Other Current Liabilities	4.81B	—	—	—	6.03B
Other Long-Term Liabilities	—	65.73B	58.93B	61.87B	—
Pension & Post-Retirement Benefits	422.00M	—	—	—	395.00M
Debt & Funding
Total Debt	213.00B	195.50B	210.19B	178.02B	175.62B
Current Portion of Long-Term Debt	50.35B	16.46B	16.76B	15.60B	25.86B
Long-Term Debt	84.17B	98.23B	101.26B	95.83B	78.12B
Short-Term Borrowings	78.49B	80.82B	92.17B	66.59B	71.65B
Total Deposits	978.57B	982.65B	941.30B	939.21B	854.28B
Interest Bearing Deposits	619.25B	658.92B	586.35B	605.14B	526.92B
Non-Interest Bearing Deposits	359.32B	323.73B	354.94B	334.07B	327.35B
Equity & Book Value
Shareholders' Equity	146.89B	138.40B	132.97B	127.47B	130.88B
Total Common Equity	146.70B	138.27B	132.86B	127.33B	130.75B
Common Stock	11.05B	11.05B	11.05B	11.05B	11.05B
Additional Paid-In Capital	53.58B	53.58B	53.58B	53.58B	53.58B
Retained Earnings	67.50B	65.26B	60.97B	55.95B	59.39B
Treasury Stock	—	—	—	—	—
Comprehensive Income & Other	14.56B	8.38B	7.26B	6.75B	6.73B
Minority Interest	187.00M	128.00M	108.00M	135.00M	123.00M
Book Value Per Share	11.97	11.54	11.05	10.55	10.86
Tangible Book Value	126.96B	118.48B	113.02B	107.44B	110.81B
Tangible Book Value Per Share	10.19	9.75	9.26	8.75	9.06
Filing Date Shares Outstanding	11.05B	11.05B	11.05B	11.05B	11.05B
Total Common Shares Outstanding	11.05B	11.05B	11.05B	11.05B	11.05B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Assets
Cash & Equivalents	285.13B	226.16B	182.88B	202.06B	167.57B
Total Assets	1.40T	1.38T	1.34T	1.31T	1.21T
Investment Securities	290.59B	280.64B	306.69B	277.78B	263.67B
Trading Assets	114.81B	124.60B	116.50B	105.57B	101.92B
Gross Loans	632.72B	614.47B	587.51B	570.50B	550.51B
Net Loans	616.33B	596.14B	568.04B	548.27B	528.90B
Allowance for Loan Losses	-9.36B	-11.22B	-12.00B	-14.08B	-13.79B
Liabilities
Total Deposits	978.57B	982.65B	941.30B	939.21B	854.28B
Interest-Bearing Deposits	619.25B	658.92B	586.35B	605.14B	526.92B
Non-Interest-Bearing Deposits	359.32B	323.73B	354.94B	334.07B	327.35B
Total Debt	213.00B	195.50B	210.19B	178.02B	175.62B
Total Liabilities	1.26T	1.24T	1.21T	1.18T	1.08T
Equity & Ownership
Total Equity	146.89B	138.40B	132.97B	127.47B	130.88B
Shares Outstanding	11,047,612,688	11,047,612,688	11,047,612,688	11,047,612,688	11,047,612,688
Cash & Assets
Total Assets	1.40T	1.38T	1.34T	1.31T	1.21T
Cash & Equivalents	285.13B	226.16B	182.88B	202.06B	167.57B
Net Cash (Debt)	316.06B	267.40B	216.84B	235.61B	190.79B
Net Cash Per Share	28.55	24.20	19.63	21.33	16.40
Net Cash Growth	+65.7%	+15.5%	+35.5%	+2.7%	-23.0%
Other Receivables	5.72B	—	—	—	4.80B
Restricted Cash	7.39B	63.38B	81.62B	88.76B	68.96B
Property, Plant & Equipment	5.39B	4.92B	5.22B	5.01B	4.68B
Goodwill	18.69B	18.69B	18.69B	18.69B	18.69B
Other Intangible Assets	1.05B	1.10B	1.15B	1.20B	1.25B
Investments in Real Estate	7.93B	8.06B	8.13B	8.17B	8.17B
Other Current Assets	11.77B	—	—	—	12.63B
Other Long-Term Assets	—	58.60B	54.47B	51.05B	—
Long-Term Deferred Tax Assets	161.00M	—	—	—	423.00M
Long-Term Leases	—	—	—	—	—
Current Portion of Leases	—	—	—	—	—
Loans & Investments
Gross Loans	632.72B	614.47B	587.51B	570.50B	550.51B
Net Loans	616.33B	596.14B	568.04B	548.27B	528.90B
Allowance for Loan Losses	-9.36B	-11.22B	-12.00B	-14.08B	-13.79B
Investment Securities	290.59B	280.64B	306.69B	277.78B	263.67B
Trading Asset Securities	114.81B	124.60B	116.50B	105.57B	101.92B
Total Investments	405.40B	405.24B	423.19B	383.36B	365.59B
Other Adjustments to Gross Loans	-7.04B	-7.11B	-7.47B	-8.16B	-7.83B
Liabilities & Obligations
Total Liabilities	1.26T	1.24T	1.21T	1.18T	1.08T
Total Liabilities & Equity	1.40T	1.38T	1.34T	1.31T	1.21T
Accounts Payable	24.00B	—	—	—	17.17B
Accrued Expenses	—	—	—	—	—
Accrued Interest Payable	33.04B	—	—	—	26.77B
Accrued Interest Receivable	38.91B	—	—	—	31.59B
Current Income Taxes Payable	3.14B	—	—	—	2.10B
Other Current Liabilities	4.81B	—	—	—	6.03B
Other Long-Term Liabilities	—	65.73B	58.93B	61.87B	—
Pension & Post-Retirement Benefits	422.00M	—	—	—	395.00M
Debt & Funding
Total Debt	213.00B	195.50B	210.19B	178.02B	175.62B
Current Portion of Long-Term Debt	50.35B	16.46B	16.76B	15.60B	25.86B
Long-Term Debt	84.17B	98.23B	101.26B	95.83B	78.12B
Short-Term Borrowings	78.49B	80.82B	92.17B	66.59B	71.65B
Total Deposits	978.57B	982.65B	941.30B	939.21B	854.28B
Interest Bearing Deposits	619.25B	658.92B	586.35B	605.14B	526.92B
Non-Interest Bearing Deposits	359.32B	323.73B	354.94B	334.07B	327.35B
Equity & Book Value
Shareholders' Equity	146.89B	138.40B	132.97B	127.47B	130.88B
Total Common Equity	146.70B	138.27B	132.86B	127.33B	130.75B
Common Stock	11.05B	11.05B	11.05B	11.05B	11.05B
Additional Paid-In Capital	53.58B	53.58B	53.58B	53.58B	53.58B
Retained Earnings	67.50B	65.26B	60.97B	55.95B	59.39B
Treasury Stock	—	—	—	—	—
Comprehensive Income & Other	14.56B	8.38B	7.26B	6.75B	6.73B
Minority Interest	187.00M	128.00M	108.00M	135.00M	123.00M
Book Value Per Share	11.97	11.54	11.05	10.55	10.86
Tangible Book Value	126.96B	118.48B	113.02B	107.44B	110.81B
Tangible Book Value Per Share	10.19	9.75	9.26	8.75	9.06
Filing Date Shares Outstanding	11.05B	11.05B	11.05B	11.05B	11.05B
Total Common Shares Outstanding	11.05B	11.05B	11.05B	11.05B	11.05B