First Abu Dhabi Bank · ADX:FAB
First Abu Dhabi Bank — Q3 2025 Earnings Presentation
24 slides from First Abu Dhabi Bank's earnings presentation, Oct 22, 2025
Slide 1: Q3/9M'25 Earnings Presentation
Q3/9M’25 Earnings Presentation 22nd October 2025
Slide 2: Disclaimer
Disclaimer The information contained herein has been prepared by First Abu Dhabi Bank P.J.S.C ("FAB"). The information contained in this presentation may not have been reviewed or reported on by the Group's auditors. FAB relies on information obtained from sources believed to be reliable but does no
Slide 3: Opening remarks
HEADLINE Opening remarks
Slide 4: 9M'25 key highlights
9M’25 key highlights • Record Group Net Profit of AED 16.02bn, up 24% yoy, reflecting strong underlying operating performance. Robust returns at scale with RoTE at 20%. • Group revenue of AED 27.65bn, up 16% yoy, driven by sustained and diversified revenue momentum, resilient margins, and enhanced r
Slide 5: Disciplined execution fueling diversified growth
Disciplined execution fueling diversified growth Broad-based franchise growth Regional leadership with Accelerating AI adoption journey, Operating from a position driven by client-centric solutions global connectivity unlocking measurable value of strength • Broad-based expansion in lending, • Stron
Slide 6: Well on track with FY'25 financial guidance
Well on track with FY’25 financial guidance Macro outlook 2025 guidance 9M’25 actuals UAE real GDP growth c.5.2% FY’25 Scale Loan growth Low double-digit +13% ytd ✓ c.5.6% FY’26 Cost of Risk < 75 bps 55 bps ✓ Oil Asset Quality c. 67/b USD (FY’25) c. 57/b USD (FY’26) Provision coverage ratio > 90% 10
Slide 7: Financial review
sli aesly ‘AB Financial review
Slide 8: Record 9M'25 results with net profit crossing AED 16bn
Record 9M’25 results with net profit crossing AED 16bn Income Statement - Summary (AED mn) 9M'25 9M'24 yoy % PBT at AED 19.25bn, +26% yoy, driven by sustained revenue Net interest Income 14,956 14,677 2 momentum, disciplined expense management and lower impairment charges. Non-interest Income 12,6
Slide 9: Q3'25 PBT up 21% yoy led by revenue momentum
Q3’25 PBT up 21% yoy led by revenue momentum Income Statement - Summary (AED mn) Q3'25 Q2’25 qoq % Q3’24 yoy % Net interest Income 4,997 4,953 1 4,890 2 PBT at AED 6.42bn, +21% yoy driven by diversified revenue momentum across the franchise. -4% qoq largely reflects non- Non-interest Income 4,345 4,
Slide 10: 9M'25 revenue delivered through a diversified franchise
9M’25 revenue delivered through a diversified franchise By division,... Personal, Business, Wealth & Privileged Investment Banking & Markets (AED bn) Wholesale Banking (AED bn) Client Banking Group (AED bn) ↑ 17% yoy ↑ 11% yoy 9.5 ↑ 11% yoy 9.1 8.6 7.7 4.7 4.2 9M'24 9M'25 9M'24 9M'25 9M'25 9M'25 …ge
Slide 11: Resilient NII and NIM performance
Resilient NII and NIM performance 1.97 1.93 Resilient NII performance supported by strong 1.93 1.89 Group NIM 1.80 1.84 volume growth (%) 1.76 Net Interest Margin (NIM) was 1.84% over 9M’25, 9bps lower yoy due to lower benchmark rates, qoq ↑1%, yoy ↑2% yoy ↑2% including a 25bps Fed rate cut in Sep-2
Slide 12: Sustained NFI performance reflects franchise strength
Sustained NFI performance reflects franchise strength Non-Interest Income trend (AED bn) FX and Other Investment Income, net (AED mn) As % Operating Income qoq ↑7%, yoy ↑79% yoy ↑45% 32% 34% 38% 46% 7,963 2,904 5,499 2,661 2,715 2,344 1,621 1,733 1,019 906 1,971 3,267 4.5 736 4.3 531 539 1,235 2,145
Slide 13: Expenses well-managed amid continued investments
Expenses well-managed amid continued investments Opex drivers (AED mn) Cost-to-Income Ratio yoy ↑4% 22.0% (9M’24: 24.3%) Operating expenses at AED 6.07bn, rising 4% yoy amid continued AI, digital +212 and technology spend partially offset by savings from productivity initiatives +65 (20) 6,073 5,817
Slide 14: Balance sheet momentum fueled by loan and deposit growth
Balance sheet momentum fueled by loan and deposit growth Movements in Gross Loans by Counterparty (AED bn) Movements in Deposits by Counterparty2 (AED bn) +8 +18 +4 +8 +7 +22 +14 +19 848 +33 614 (3) 782 551 +66bn +64bn ↑ 8% ytd ↑ 12% ytd 1 Dec'24 Corp/ Personal/ GREs Govt Banks Sep'25 Dec'24 Corp/Pv
Slide 15: Solid asset quality with NPL ratio improving to all-time low
Solid asset quality with NPL ratio improving to all-time low Impairment charges, net (AED mn) & CoR1 (bps) NPLs2 and ECLs3 (%) CoR (L&A) (bps) Provision Coverage (%) NPL Ratio (%) 84 100 106 72 95 96 98 55 63 63 51 51 3.8 3.4 3.3 2.8 qoq ↑13%, yoy ↓7%, yoy ↓18% 2.6 2,829 NPLs (AED bn) Provisions (AE
Slide 16: Strong capital position
Strong capital position CET1 ratio progression CET1, Tier 1 and CAR trends (%) 18.0% CAR 17.5% 17.2% 16.9% 16.8% Cash DPS: 75 fils Tier 1 15.9% AED 8.3bn 15.4% 15.1% 15.2% 15.0% 14.9% +75bps 14.3% 1.3% CET1 13.7% 13.5% 13.7% 13.7% -37bps 13.7% 13.4% 13.4% -12bps Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 RW
Slide 17: Wrap-up
Wrap-up • Record Group Net Profit of AED 16.02bn, up 24% yoy, reflecting strong underlying operating performance. Robust returns at scale with RoTE at 20%. • Group revenue of AED 27.65bn, up 16% yoy, driven by sustained and diversified revenue momentum, resilient margins, and enhanced revenue mix. •
Slide 18: Appendix – Q3/9M'25 results
HEADLINE Appendix – Q3/9M’25 results
Slide 19: Q3/9M'25 highlights – Group financials
Q3/9M’25 highlights – Group financials Income Statement - Summary (AED mn) Q3’25 Q2’25 qoq % Q3’24 yoy % 9M’25 9M’24 yoy % Net interest Income 4,997 4,953 1 4,890 2 14,956 14,677 2 Non-interest Income 4,345 4,542 (4) 3,307 31 12,695 9,246 37 Operating Income 9,342 9,495 (2) 8
Slide 20: Segmental overview
Segmental overview Personal, Business, Wealth & Privileged Client Banking Investment Banking & Markets (IB&M) Wholesale Banking (WB) Group (PBW&PCBG) P&L Summary P&L Summary P&L Summary 9M'25 9M’24 yoy % 9M'25 9M’24 yoy % 9M'25 9M’24 yoy % (AED mn) (AED mn) (AED mn) Net interest Income 3,937 4,269 (
Slide 21: A well-diversified, high-quality loan book
A well-diversified, high-quality loan book Gross loans trend (AED bn) Net loans by geographies (%) qoq ↑5%, yoy ↑12%, ytd ↑12% UAE 77% GCC 6% Gross Islamic financing 614 Sep’25 571 588 596 550 551 MENA (ex-GCC) 5% Asia 5% (AED bn) Europe 6% 41.7 42.6 42.6 45.8 49.4 Americas 1% Sep'24 Dec'24 Mar'25 J
Slide 22: Strong and diversified liquidity profile
Strong and diversified liquidity profile Customer deposits trend (AED bn) Customer deposits by geography (%) qoq ↑4% , yoy ↑4% , ytd ↑8% GCC 2% UAE 75% 848 Sep’25 MENA (ex-GCC) 3% 839 848 820 782 813 Asia 4% (AED bn) Europe 10% 374 46% 360 46% 376 45% 401 49% 369 44% CASA Americas 6% Sep'24 Dec'24 M
Slide 23: High-quality and diversified investment portfolio
High-quality and diversified investment portfolio Investments by type Investments by ratings Sep’25 Sep’25 Dec’24 Sep’25 Sep’25 Dec’24 AED 272bn AED 272bn FVTPL - Debt 28% 20% AAA 14% 11% AA 39% 41% Dec’24 FVTPL - Equity & Funds 3% 2% Dec’24 AED 248bn A 15% 20% AED 248bn Amortised Cost (Debt Inv) 2%
Slide 24: For more information, please visit www.bankfab.com
For more information, please visit www.bankfab.com or contact FAB Investor Relations team at ir@bankfab.com You can also download FAB’s Investor Relations App from App Store / Google Play to access latest corporate updates Click on the images below to access our latest reports 2024 Annual Report FAB