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
Operations
Operating Cash Flow	13.30B	-20.39B	-7.35B	-1.04B	9.16B
Free Cash Flow	12.65B	-20.28B	-7.70B	-1.04B	9.47B
Capital Expenditures	-649.00M	111.00M	-350.00M	—	310.00M
Investing & Financing
Investing Cash Flow	-7.43B	17.53B	-9.41B	-4.48B	3.64B
Financing Cash Flow	-2.89B	27.94B	-11.09B	59.18B	-37.58B
Dividends Paid	-0.10B	-0.27B	-8.37B	-0.29B	-0.07B
Operating Activities
Operating Cash Flow	13.30B	-20.39B	-7.35B	-1.04B	9.16B
Net Income	5.09B	5.39B	5.51B	5.13B	4.19B
Change in Other Net Operating Assets	-3.46B	-16.68B	-6.37B	2.24B	5.01B
Change in Trading Asset Securities	10.12B	-9.84B	-8.33B	-10.09B	-1.74B
Net Increase (Decrease) in Deposit Accounts	-7.51B	34.81B	-25.21B	56.11B	-37.19B
Other Operating Activities	0.63B	-0.33B	0.85B	0.67B	0.15B
Provision for Credit Losses	0.85B	1.01B	0.80B	0.75B	1.25B
Depreciation & Amortization	239.00M	247.00M	240.00M	233.00M	279.00M
Cash Income Tax Paid	0.54B	1.54B	0.46B	0.43B	0.38B
Total Asset Writedown	-153.00M	—	—	—	—
Investing Activities
Investing Cash Flow	-7.43B	17.53B	-9.41B	-4.48B	3.64B
Capital Expenditures	-649.00M	111.00M	-350.00M	—	310.00M
Cash Acquisitions	—	—	—	—	—
Divestitures	—	—	—	—	—
Investment in Securities	-6.95B	17.23B	-9.14B	-4.52B	3.24B
Sale of Property, Plant and Equipment	—	—	-43.00M	43.00M	97.00M
Gain (Loss) on Sale of Assets	-0.10B	-0.11B	-0.08B	—	-0.00B
Gain (Loss) on Sale of Investments	86.00M	-74.00M	35.00M	32.00M	8.00M
Financing Activities
Financing Cash Flow	-2.89B	27.94B	-11.09B	59.18B	-37.58B
Common Dividends Paid	-0.10B	-0.27B	-8.37B	-0.29B	-0.07B
Issuance of Common Stock	3.67B	—	—	—	—
Long-Term Debt Issued	—	—	—	5.60B	—
Short-Term Debt Issued	—	—	—	761.00M	—
Total Debt Issued	3.85B	-2.61B	23.50B	6.36B	-0.13B
Long-Term Debt Repaid	—	—	—	-3.01B	—
Short-Term Debt Repaid	—	—	—	—	—
Total Debt Repaid	-2.80B	-3.99B	-1.02B	-3.01B	-0.19B
Net Debt Issued (Repaid)	1.05B	-6.60B	22.49B	3.35B	-0.31B
Other Financing Activities	—	—	—	—	—
Free Cash Flow & Returns
Free Cash Flow	12.65B	-20.28B	-7.70B	-1.04B	9.47B
Free Cash Flow Growth	+33.7%	—	—	—	—
Free Cash Flow Margin	+156.7%	-238.8%	-88.0%	-12.9%	+143.3%
Free Cash Flow Per Share	1.14	-1.84	-0.70	-0.09	0.81
Operating Cash Flow Growth	+45.3%	—	—	—	—
Net Cash Flow	2.79B	25.01B	-26.50B	54.20B	-26.41B
Foreign Exchange Rate Adjustments	-0.20B	-0.07B	1.35B	0.54B	-1.63B

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
Operations
Operating Cash Flow	13.30B	-20.39B	-7.35B	-1.04B	9.16B
Free Cash Flow	12.65B	-20.28B	-7.70B	-1.04B	9.47B
Capital Expenditures	-649.00M	111.00M	-350.00M	—	310.00M
Investing & Financing
Investing Cash Flow	-7.43B	17.53B	-9.41B	-4.48B	3.64B
Financing Cash Flow	-2.89B	27.94B	-11.09B	59.18B	-37.58B
Dividends Paid	-0.10B	-0.27B	-8.37B	-0.29B	-0.07B
Operating Activities
Operating Cash Flow	13.30B	-20.39B	-7.35B	-1.04B	9.16B
Net Income	5.09B	5.39B	5.51B	5.13B	4.19B
Change in Other Net Operating Assets	-3.46B	-16.68B	-6.37B	2.24B	5.01B
Change in Trading Asset Securities	10.12B	-9.84B	-8.33B	-10.09B	-1.74B
Net Increase (Decrease) in Deposit Accounts	-7.51B	34.81B	-25.21B	56.11B	-37.19B
Other Operating Activities	0.63B	-0.33B	0.85B	0.67B	0.15B
Provision for Credit Losses	0.85B	1.01B	0.80B	0.75B	1.25B
Depreciation & Amortization	239.00M	247.00M	240.00M	233.00M	279.00M
Cash Income Tax Paid	0.54B	1.54B	0.46B	0.43B	0.38B
Total Asset Writedown	-153.00M	—	—	—	—
Investing Activities
Investing Cash Flow	-7.43B	17.53B	-9.41B	-4.48B	3.64B
Capital Expenditures	-649.00M	111.00M	-350.00M	—	310.00M
Cash Acquisitions	—	—	—	—	—
Divestitures	—	—	—	—	—
Investment in Securities	-6.95B	17.23B	-9.14B	-4.52B	3.24B
Sale of Property, Plant and Equipment	—	—	-43.00M	43.00M	97.00M
Gain (Loss) on Sale of Assets	-0.10B	-0.11B	-0.08B	—	-0.00B
Gain (Loss) on Sale of Investments	86.00M	-74.00M	35.00M	32.00M	8.00M
Financing Activities
Financing Cash Flow	-2.89B	27.94B	-11.09B	59.18B	-37.58B
Common Dividends Paid	-0.10B	-0.27B	-8.37B	-0.29B	-0.07B
Issuance of Common Stock	3.67B	—	—	—	—
Long-Term Debt Issued	—	—	—	5.60B	—
Short-Term Debt Issued	—	—	—	761.00M	—
Total Debt Issued	3.85B	-2.61B	23.50B	6.36B	-0.13B
Long-Term Debt Repaid	—	—	—	-3.01B	—
Short-Term Debt Repaid	—	—	—	—	—
Total Debt Repaid	-2.80B	-3.99B	-1.02B	-3.01B	-0.19B
Net Debt Issued (Repaid)	1.05B	-6.60B	22.49B	3.35B	-0.31B
Other Financing Activities	—	—	—	—	—
Free Cash Flow & Returns
Free Cash Flow	12.65B	-20.28B	-7.70B	-1.04B	9.47B
Free Cash Flow Growth	+33.7%	—	—	—	—
Free Cash Flow Margin	+156.7%	-238.8%	-88.0%	-12.9%	+143.3%
Free Cash Flow Per Share	1.14	-1.84	-0.70	-0.09	0.81
Operating Cash Flow Growth	+45.3%	—	—	—	—
Net Cash Flow	2.79B	25.01B	-26.50B	54.20B	-26.41B
Foreign Exchange Rate Adjustments	-0.20B	-0.07B	1.35B	0.54B	-1.63B