First Abu Dhabi Bank (FAB) has announced unprecedented financial results for the first nine months of 2025, with a 24% surge in net profit to Dh16.02 billion. This marks the highest earnings ever recorded by the bank for this period. The third quarter alone saw a 21% increase in net profit, reaching Dh5.39 billion. Loans and advances grew by 13% year-to-date to Dh596 billion, while customer deposits rose 8% to Dh848 billion. Total assets climbed 14% to Dh1.38 trillion, with capital and liquidity ratios comfortably exceeding regulatory requirements.
The bank’s robust performance is attributed to broad-based growth across all divisions, driven by strong client activity, diversified revenue streams, and significant productivity gains from its AI-driven transformation strategy. Operating income increased by 16% to Dh27.65 billion, supported by sustained business momentum. Net interest income rose 2% to Dh14.96 billion, while non-interest income surged 37% to Dh12.7 billion, accounting for nearly half of total revenue.
Group CEO Hana Al Rostamani emphasized the success of FAB’s diversification strategy and its growing international presence. The bank is expanding its footprint in Europe, Turkey, and Nigeria, with plans to open a new branch in India. Al Rostamani highlighted the transformative impact of AI integration across operations, which has enhanced agility and efficiency. “By embedding intelligent technologies across the Group, we are redefining how we serve clients and driving long-term value creation,” she said.
Group CFO Lars Kramer noted the bank’s resilient margins and double-digit revenue growth across all divisions, supported by a strong balance sheet. FAB’s commitment to sustainable finance was also underscored, with the issuance of its inaugural Blue Bond and Low Carbon Energy Bond. International operations contributed 17% of Group revenue, with loans and deposits from overseas markets rising 23% and 18%, respectively.
FAB continues to lead in AI-enabled transformation, deploying 18 live AI agents across functions such as trade operations, customer service, and finance analytics. These systems have doubled processing capacity and reduced turnaround times by up to 50%, solidifying FAB’s position as a pioneer in technology-driven banking excellence. Analysts predict strong momentum for FAB as it enters the final quarter of 2025, with high confidence in sustaining its growth trajectory into 2026 and beyond.