First Abu Dhabi Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	8.24B	8.08B	8.49B	8.74B	8.09B
Interest Income	14.93B	15.30B	15.56B	15.22B	14.50B
Interest Expense	9.32B	9.94B	10.56B	10.27B	9.50B
Pretax Income	6.12B	5.95B	6.42B	6.71B	6.13B
Income Tax	1.09B	0.82B	1.01B	1.20B	0.99B
Net Income	4.75B	5.03B	5.12B	5.44B	4.84B
Net Interest Income	5.61B	5.37B	5.00B	4.95B	5.01B
Non-Interest Income	3.72B	3.66B	4.35B	4.54B	3.81B
Non-Interest Expense	2.11B	2.13B	2.08B	2.03B	1.97B
Loan Loss Provisions	1.10B	0.95B	0.85B	0.75B	0.72B
EPS (Basic)	0.43	0.45	0.46	0.49	0.44
EPS (Diluted)	0.43	0.45	0.46	0.49	0.44
Margins & Efficiency
Net Margin %	+57.7%	+62.3%	+60.3%	+62.3%	+59.8%
Revenue & Income
Revenue	8.24B	8.08B	8.49B	8.74B	8.09B
Revenue	8.24B	8.08B	8.49B	8.74B	8.09B
Revenue Growth (YoY)	+1.8%	+22.2%	+16.5%	+27.5%	+16.5%
Revenues Before Loan Losses	9.34B	9.02B	9.34B	9.50B	8.81B
Interest Income on Loans	14.93B	15.30B	15.56B	15.22B	14.50B
Net Interest Income	5.61B	5.37B	5.00B	4.95B	5.01B
Net Interest Income Growth (YoY)	+12.1%	+8.7%	+2.2%	+0.5%	+3.0%
Non-Interest Income Growth (YoY)	-2.2%	+32.2%	+31.4%	+60.7%	+22.4%
Total Non-Interest Income	3.72B	3.66B	4.35B	4.54B	3.81B
Other Non-Interest Income	1.37B	0.73B	1.21B	1.69B	1.17B
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Investments	2.35B	2.92B	3.14B	2.85B	2.64B
Expenses & Provisions
Selling, General & Administrative	747.00M	655.00M	672.00M	708.00M	627.00M
Interest Paid on Deposits	9.32B	9.94B	10.56B	10.27B	9.50B
Total Non-Interest Expense	2.11B	2.13B	2.08B	2.03B	1.97B
Provision for Loan Losses	1.10B	0.95B	0.85B	0.75B	0.72B
Salaries and Employee Benefits	1.07B	1.13B	1.07B	1.01B	1.03B
Occupancy Expenses	199.00M	237.00M	241.00M	235.00M	227.00M
Asset Writedown	—	—	—	—	—
Amortization of Goodwill & Intangibles	55.00M	56.00M	57.00M	56.00M	55.00M
Profitability & Returns
EBT Excluding Unusual Items	6.12B	5.95B	6.42B	6.71B	6.13B
Pretax Income	6.12B	5.95B	6.42B	6.71B	6.13B
Profit Margin	+57.7%	+62.3%	+60.3%	+62.3%	+59.8%
Net Income	5.01B	5.09B	5.39B	5.51B	5.13B
Net Income to Common	4.75B	5.03B	5.12B	5.44B	4.84B
Net Income Growth	-2.2%	+21.5%	+20.8%	+29.4%	+23.5%
Earnings From Continuing Ops.	5.03B	5.13B	5.41B	5.51B	5.14B
Minority Interest in Earnings	-23.00M	-42.00M	-19.00M	-8.00M	-10.00M
Income Tax Expense	1.09B	0.82B	1.01B	1.20B	0.99B
Effective Tax Rate	+17.8%	+13.7%	+15.8%	+17.8%	+16.2%
Per Share & Capital
EPS (Basic)	0.43	0.45	0.46	0.49	0.44
EPS (Diluted)	0.43	0.45	0.46	0.49	0.44
EPS Growth	-1.8%	+28.1%	+22.9%	+29.8%	+26.2%
Dividend Per Share	—	0.80	—	—	—
Shares Change (YoY)	—	-0.05	0	0	0
Shares Outstanding (Basic)	11.05B	11.07B	11.05B	11.05B	11.05B
Shares Outstanding (Diluted)	11.05B	11.07B	11.05B	11.05B	11.05B
Dividend Growth	—	+6.7%	—	—	—
Free Cash Flow	-5.68B	12.65B	-20.28B	-7.70B	-1.04B
Free Cash Flow Margin	-68.9%	+156.7%	-238.8%	-88.0%	-12.9%
Free Cash Flow Per Share	-0.51	1.14	-1.84	-0.70	-0.09
Payout Ratio	+5.2%	+1.9%	+5.1%	+151.9%	+5.6%
Preferred Dividends & Other Adjustments	259.00M	62.00M	270.00M	62.00M	285.00M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	8.24B	8.08B	8.49B	8.74B	8.09B
Interest Income	14.93B	15.30B	15.56B	15.22B	14.50B
Interest Expense	9.32B	9.94B	10.56B	10.27B	9.50B
Pretax Income	6.12B	5.95B	6.42B	6.71B	6.13B
Income Tax	1.09B	0.82B	1.01B	1.20B	0.99B
Net Income	4.75B	5.03B	5.12B	5.44B	4.84B
Net Interest Income	5.61B	5.37B	5.00B	4.95B	5.01B
Non-Interest Income	3.72B	3.66B	4.35B	4.54B	3.81B
Non-Interest Expense	2.11B	2.13B	2.08B	2.03B	1.97B
Loan Loss Provisions	1.10B	0.95B	0.85B	0.75B	0.72B
EPS (Basic)	0.43	0.45	0.46	0.49	0.44
EPS (Diluted)	0.43	0.45	0.46	0.49	0.44
Margins & Efficiency
Net Margin %	+57.7%	+62.3%	+60.3%	+62.3%	+59.8%
Revenue & Income
Revenue	8.24B	8.08B	8.49B	8.74B	8.09B
Revenue	8.24B	8.08B	8.49B	8.74B	8.09B
Revenue Growth (YoY)	+1.8%	+22.2%	+16.5%	+27.5%	+16.5%
Revenues Before Loan Losses	9.34B	9.02B	9.34B	9.50B	8.81B
Interest Income on Loans	14.93B	15.30B	15.56B	15.22B	14.50B
Net Interest Income	5.61B	5.37B	5.00B	4.95B	5.01B
Net Interest Income Growth (YoY)	+12.1%	+8.7%	+2.2%	+0.5%	+3.0%
Non-Interest Income Growth (YoY)	-2.2%	+32.2%	+31.4%	+60.7%	+22.4%
Total Non-Interest Income	3.72B	3.66B	4.35B	4.54B	3.81B
Other Non-Interest Income	1.37B	0.73B	1.21B	1.69B	1.17B
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Investments	2.35B	2.92B	3.14B	2.85B	2.64B
Expenses & Provisions
Selling, General & Administrative	747.00M	655.00M	672.00M	708.00M	627.00M
Interest Paid on Deposits	9.32B	9.94B	10.56B	10.27B	9.50B
Total Non-Interest Expense	2.11B	2.13B	2.08B	2.03B	1.97B
Provision for Loan Losses	1.10B	0.95B	0.85B	0.75B	0.72B
Salaries and Employee Benefits	1.07B	1.13B	1.07B	1.01B	1.03B
Occupancy Expenses	199.00M	237.00M	241.00M	235.00M	227.00M
Asset Writedown	—	—	—	—	—
Amortization of Goodwill & Intangibles	55.00M	56.00M	57.00M	56.00M	55.00M
Profitability & Returns
EBT Excluding Unusual Items	6.12B	5.95B	6.42B	6.71B	6.13B
Pretax Income	6.12B	5.95B	6.42B	6.71B	6.13B
Profit Margin	+57.7%	+62.3%	+60.3%	+62.3%	+59.8%
Net Income	5.01B	5.09B	5.39B	5.51B	5.13B
Net Income to Common	4.75B	5.03B	5.12B	5.44B	4.84B
Net Income Growth	-2.2%	+21.5%	+20.8%	+29.4%	+23.5%
Earnings From Continuing Ops.	5.03B	5.13B	5.41B	5.51B	5.14B
Minority Interest in Earnings	-23.00M	-42.00M	-19.00M	-8.00M	-10.00M
Income Tax Expense	1.09B	0.82B	1.01B	1.20B	0.99B
Effective Tax Rate	+17.8%	+13.7%	+15.8%	+17.8%	+16.2%
Per Share & Capital
EPS (Basic)	0.43	0.45	0.46	0.49	0.44
EPS (Diluted)	0.43	0.45	0.46	0.49	0.44
EPS Growth	-1.8%	+28.1%	+22.9%	+29.8%	+26.2%
Dividend Per Share	—	0.80	—	—	—
Shares Change (YoY)	—	-0.05	0	0	0
Shares Outstanding (Basic)	11.05B	11.07B	11.05B	11.05B	11.05B
Shares Outstanding (Diluted)	11.05B	11.07B	11.05B	11.05B	11.05B
Dividend Growth	—	+6.7%	—	—	—
Free Cash Flow	-5.68B	12.65B	-20.28B	-7.70B	-1.04B
Free Cash Flow Margin	-68.9%	+156.7%	-238.8%	-88.0%	-12.9%
Free Cash Flow Per Share	-0.51	1.14	-1.84	-0.70	-0.09
Payout Ratio	+5.2%	+1.9%	+5.1%	+151.9%	+5.6%
Preferred Dividends & Other Adjustments	259.00M	62.00M	270.00M	62.00M	285.00M