First Abu Dhabi Bank

FABStocksAbu Dhabi Securities ExchangeBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	33.40B	27.70B	24.68B	21.42B	19.77B
Interest Income	60.58B	63.05B	58.76B	30.10B	18.08B
Interest Expense	40.26B	43.44B	40.62B	15.89B	6.43B
Pretax Income	25.20B	19.91B	17.55B	14.39B	13.19B
Income Tax	4.01B	2.82B	1.04B	0.97B	0.64B
Net Income	20.43B	16.31B	15.75B	13.03B	12.17B
Net Interest Income	20.32B	19.61B	18.14B	14.22B	11.66B
Non-Interest Income	16.35B	12.01B	9.62B	10.04B	10.77B
Non-Interest Expense	8.20B	7.79B	7.13B	6.70B	5.72B
Loan Loss Provisions	3.28B	3.92B	3.08B	2.84B	2.66B
EPS (Basic)	1.85	1.48	1.43	1.18	1.10
EPS (Diluted)	1.85	1.48	1.43	1.18	1.10
DPS	0.80	0.75	0.71	0.52	0.48
Margins & Efficiency
Net Margin %	+61.2%	+58.9%	+63.8%	+60.8%	+61.6%
Revenue & Income
Revenue	33.40B	27.70B	24.68B	21.42B	19.77B
Revenue	33.40B	27.70B	24.68B	21.42B	19.77B
Revenue Growth (YoY)	+20.6%	+12.3%	+15.2%	+8.4%	+22.0%
Revenues Before Loan Losses	36.68B	31.63B	27.75B	24.26B	22.42B
Interest Income on Loans	60.58B	63.05B	58.76B	30.10B	18.08B
Net Interest Income	20.32B	19.61B	18.14B	14.22B	11.66B
Net Interest Income Growth (YoY)	+3.6%	+8.1%	+27.6%	+22.0%	-4.9%
Non-Interest Income Growth (YoY)	+36.1%	+24.9%	-4.3%	-6.7%	+64.0%
Total Non-Interest Income	16.35B	12.01B	9.62B	10.04B	10.77B
Other Non-Interest Income	4.80B	6.61B	5.63B	4.63B	3.77B
Gain (Loss) on Sale of Assets	—	—	0.29B	3.10B	0.51B
Gain (Loss) on Sale of Investments	11.55B	5.40B	3.70B	2.32B	6.48B
Expenses & Provisions
Selling, General & Administrative	2.66B	2.36B	2.27B	2.15B	1.72B
Interest Paid on Deposits	40.26B	43.44B	40.62B	15.89B	6.43B
Total Non-Interest Expense	8.20B	7.79B	7.13B	6.70B	5.72B
Provision for Loan Losses	3.28B	3.92B	3.08B	2.84B	2.66B
Salaries and Employee Benefits	4.24B	4.03B	3.57B	3.23B	3.00B
Occupancy Expenses	0.94B	1.07B	0.94B	1.07B	0.74B
Asset Writedown	—	—	1.00M	-326.85M	-743.36M
Amortization of Goodwill & Intangibles	224.00M	224.00M	238.00M	202.96M	198.86M
Profitability & Returns
EBT Excluding Unusual Items	25.20B	19.91B	17.55B	14.72B	14.05B
Pretax Income	25.20B	19.91B	17.55B	14.39B	13.19B
Profit Margin	+61.2%	+58.9%	+63.8%	+60.8%	+61.6%
Net Income	21.11B	17.06B	16.41B	13.41B	12.53B
Net Income to Common	20.43B	16.31B	15.75B	13.03B	12.17B
Net Income Growth	+23.8%	+4.0%	+22.3%	+7.0%	+18.7%
Earnings From Continuing Ops.	21.19B	17.10B	16.51B	13.42B	12.54B
Minority Interest in Earnings	-79.00M	-41.00M	-105.00M	-10.91M	-11.16M
Income Tax Expense	4.01B	2.82B	1.04B	0.97B	0.64B
Effective Tax Rate	+15.9%	+14.2%	+5.9%	+6.7%	+4.9%
Per Share & Capital
EPS (Basic)	1.85	1.48	1.43	1.18	1.10
EPS (Diluted)	1.85	1.48	1.43	1.18	1.10
EPS Growth	+25.2%	+3.6%	+20.9%	+7.3%	+19.8%
Dividend Per Share	0.80	0.75	0.71	0.52	0.48
Shares Change (YoY)	0	—	-0	0	0
Shares Outstanding (Basic)	11.05B	11.04B	11.04B	11.04B	11.04B
Shares Outstanding (Diluted)	11.05B	11.04B	11.04B	11.04B	11.04B
Dividend Growth	+6.7%	+5.6%	+36.5%	+7.4%	-33.8%
Free Cash Flow	-16.37B	-23.54B	-30.23B	-57.83B	-26.54B
Free Cash Flow Margin	-49.0%	-85.0%	-122.5%	-270.0%	-134.3%
Free Cash Flow Per Share	-1.48	-2.13	-2.74	-5.24	-2.40
Payout Ratio	+42.7%	+50.3%	+38.9%	+42.5%	+64.2%
Preferred Dividends & Other Adjustments	679.00M	743.00M	653.00M	376.47M	356.20M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	33.40B	27.70B	24.68B	21.42B	19.77B
Interest Income	60.58B	63.05B	58.76B	30.10B	18.08B
Interest Expense	40.26B	43.44B	40.62B	15.89B	6.43B
Pretax Income	25.20B	19.91B	17.55B	14.39B	13.19B
Income Tax	4.01B	2.82B	1.04B	0.97B	0.64B
Net Income	20.43B	16.31B	15.75B	13.03B	12.17B
Net Interest Income	20.32B	19.61B	18.14B	14.22B	11.66B
Non-Interest Income	16.35B	12.01B	9.62B	10.04B	10.77B
Non-Interest Expense	8.20B	7.79B	7.13B	6.70B	5.72B
Loan Loss Provisions	3.28B	3.92B	3.08B	2.84B	2.66B
EPS (Basic)	1.85	1.48	1.43	1.18	1.10
EPS (Diluted)	1.85	1.48	1.43	1.18	1.10
DPS	0.80	0.75	0.71	0.52	0.48
Margins & Efficiency
Net Margin %	+61.2%	+58.9%	+63.8%	+60.8%	+61.6%
Revenue & Income
Revenue	33.40B	27.70B	24.68B	21.42B	19.77B
Revenue	33.40B	27.70B	24.68B	21.42B	19.77B
Revenue Growth (YoY)	+20.6%	+12.3%	+15.2%	+8.4%	+22.0%
Revenues Before Loan Losses	36.68B	31.63B	27.75B	24.26B	22.42B
Interest Income on Loans	60.58B	63.05B	58.76B	30.10B	18.08B
Net Interest Income	20.32B	19.61B	18.14B	14.22B	11.66B
Net Interest Income Growth (YoY)	+3.6%	+8.1%	+27.6%	+22.0%	-4.9%
Non-Interest Income Growth (YoY)	+36.1%	+24.9%	-4.3%	-6.7%	+64.0%
Total Non-Interest Income	16.35B	12.01B	9.62B	10.04B	10.77B
Other Non-Interest Income	4.80B	6.61B	5.63B	4.63B	3.77B
Gain (Loss) on Sale of Assets	—	—	0.29B	3.10B	0.51B
Gain (Loss) on Sale of Investments	11.55B	5.40B	3.70B	2.32B	6.48B
Expenses & Provisions
Selling, General & Administrative	2.66B	2.36B	2.27B	2.15B	1.72B
Interest Paid on Deposits	40.26B	43.44B	40.62B	15.89B	6.43B
Total Non-Interest Expense	8.20B	7.79B	7.13B	6.70B	5.72B
Provision for Loan Losses	3.28B	3.92B	3.08B	2.84B	2.66B
Salaries and Employee Benefits	4.24B	4.03B	3.57B	3.23B	3.00B
Occupancy Expenses	0.94B	1.07B	0.94B	1.07B	0.74B
Asset Writedown	—	—	1.00M	-326.85M	-743.36M
Amortization of Goodwill & Intangibles	224.00M	224.00M	238.00M	202.96M	198.86M
Profitability & Returns
EBT Excluding Unusual Items	25.20B	19.91B	17.55B	14.72B	14.05B
Pretax Income	25.20B	19.91B	17.55B	14.39B	13.19B
Profit Margin	+61.2%	+58.9%	+63.8%	+60.8%	+61.6%
Net Income	21.11B	17.06B	16.41B	13.41B	12.53B
Net Income to Common	20.43B	16.31B	15.75B	13.03B	12.17B
Net Income Growth	+23.8%	+4.0%	+22.3%	+7.0%	+18.7%
Earnings From Continuing Ops.	21.19B	17.10B	16.51B	13.42B	12.54B
Minority Interest in Earnings	-79.00M	-41.00M	-105.00M	-10.91M	-11.16M
Income Tax Expense	4.01B	2.82B	1.04B	0.97B	0.64B
Effective Tax Rate	+15.9%	+14.2%	+5.9%	+6.7%	+4.9%
Per Share & Capital
EPS (Basic)	1.85	1.48	1.43	1.18	1.10
EPS (Diluted)	1.85	1.48	1.43	1.18	1.10
EPS Growth	+25.2%	+3.6%	+20.9%	+7.3%	+19.8%
Dividend Per Share	0.80	0.75	0.71	0.52	0.48
Shares Change (YoY)	0	—	-0	0	0
Shares Outstanding (Basic)	11.05B	11.04B	11.04B	11.04B	11.04B
Shares Outstanding (Diluted)	11.05B	11.04B	11.04B	11.04B	11.04B
Dividend Growth	+6.7%	+5.6%	+36.5%	+7.4%	-33.8%
Free Cash Flow	-16.37B	-23.54B	-30.23B	-57.83B	-26.54B
Free Cash Flow Margin	-49.0%	-85.0%	-122.5%	-270.0%	-134.3%
Free Cash Flow Per Share	-1.48	-2.13	-2.74	-5.24	-2.40
Payout Ratio	+42.7%	+50.3%	+38.9%	+42.5%	+64.2%
Preferred Dividends & Other Adjustments	679.00M	743.00M	653.00M	376.47M	356.20M