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First Abu Dhabi Bank financial statements: income, balance sheet, cash flow

ADX: FAB · Financials · United Arab Emirates

Signed off by OffScriptBySami on  · Updated

Data as of  · For information only, not investment advice.

In brief

First Abu Dhabi Bank (ADX: FAB) reported net interest income, including Islamic financing, of AED 5.87 billion and net profit attributable to shareholders of AED 5.72 billion for Q2 2026, in its H1 2026 interim financial statements. At 30 Jun 2026, net loans were AED 661 billion and customer deposits AED 853 billion, within total assets of AED 1.41 trillion.

Data as of Source: Interim financial statements for H1 2026, approved

Key facts

Data as of

First Abu Dhabi Bank (ADX: FAB) · AED · fiscal year ends 31 December · figures from the company's financial statements; derived values are marked.

Net interest income, TTM (AED bn)
21.8
TTM to · derived
The bank's own subtotal, which includes net income from Islamic financing; its statements also print a separate, lower line named net interest income. Q3 2025, Q4 2025 and FY2025 are on the presentation used before the H1 2026 statements moved hedging costs on foreign exchange swaps out of net interest income.
Net profit, TTM (AED bn)
21.2
TTM to · derived
Total assets (AED trn)
1.41
at · the company's financial statements
Customer deposits (AED bn)
853
at · the company's financial statements
Loans, net of allowance (AED bn)
661
at · the company's financial statements
Cost-to-income ratio, TTM
22.3%
TTM to · derived

What the numbers show

First Abu Dhabi Bank's income statement for the quarter ended 30 Jun 2026, Q2 2026, shows operating income of AED 10.2 billion. Net profit attributable to shareholders was AED 5.72 billion. Net interest income was AED 5.87 billion, and the bank's own subtotal includes income from Islamic financing. Non-interest income, our sum of the bank's printed lines, was AED 4.30 billion, and operating expenses were AED 2.14 billion.

Operating income grew from AED 21.7 billion in FY2021 to AED 36.7 billion in FY2025, a compound annual rate of 14.0%, our calculation. Operating expenses grew more slowly, so the cost-to-income ratio, our calculation, went from 26.9% to 22.4% over those years. Net profit reached AED 21.1 billion in FY2025. FY2022 and FY2023 also include a gain on disposing of a stake in a subsidiary, shown below operating income.

The balance sheet at 30 Jun 2026 shows total assets of AED 1.41 trillion and total liabilities of AED 1.26 trillion. Customer deposits were AED 853 billion and net loans AED 661 billion. The loan-to-deposit ratio was 77.5% (our calculation), against 63.7% at 31 Dec 2023. The 31 Dec 2025 assets and liabilities are as re-presented in the H1 2026 statements and carry R.

In the cash flow statement, changes in loans and customer deposits sit under operating activities, so cash from operations tracks the balance sheet as well as profit. It was an inflow of AED 42.7 billion in FY2025 and an outflow of AED 1.02 billion in FY2024. Financing activities, including AED 8.34 billion of dividends paid, were an inflow of AED 14.9 billion in FY2025. Q2 2026 is derived, marked D, and shows an operating outflow of AED 49.4 billion.

Diluted earnings per share were AED 0.50 per share in Q2 2026, against AED 0.49 per share in Q2 2025. For FY2025 they were AED 1.85 per share, against AED 1.10 per share in FY2021 as restated, and the diluted count was 11,048 million shares. Earnings per share are measured after interest on Tier 1 capital notes. First Abu Dhabi Bank stock fundamentals covers the restated figures behind these statements.

Income statement

Chart 1

First Abu Dhabi Bank quarterly operating income, Q3 2024 to Q2 2026

AED bn · quarters ended to

Operating income by quarter, from AED 8.20 bn in Q3 2024 to AED 10.2 bn in Q2 2026.05101510.2Q32024Q4Q12025Q2Q3Q4Q12026Q2stockfactsheet.com
Source: First Abu Dhabi Bank financial statements Data as of

Annual

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Table 1 First Abu Dhabi Bank income statement, annual, FY2021–FY2025 (AED millions) AED millions, except per-share data (AED) and percentages · Fiscal year ends 31 December
AED mFY2025ended FY2024ended FY2023ended FY2022ended FY2021ended CAGRFY21–FY25
Net interest income20,322 1 219,612 118,139 R 114,217 R 111,658 1increased 14.9% 1 2
Non-interest income16,353 D12,013 D9,332 R D6,623 R D10,023 Dincreased 13.0%
Operating income36,67531,62527,47120,84021,681increased 14.0%
Operating income YoY %increased 16.0%increased 15.1%increased 31.8%decreased 3.9%increased 16.7%not available
Impairment charges3,2753,9243,0782,8392,658increased 5.4%
Operating expenses8,2007,7877,1256,7055,836increased 8.9%
Net profit21,11017,05516,40513,41112,531increased 13.9%
Cost-to-income %22.4%24.6%25.9%32.2%26.9%not available
Per share
Diluted EPS (AED)1.851.481.431.181.10 Rincreased 13.9%
Diluted shares (m)11,04811,04111,04111,04111,040 Rnot available
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Source: First Abu Dhabi Bank financial statements Data as of

  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 18,102 m in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 14,386 m in First Abu Dhabi Bank financial statements approved .
  • D Combined from line items reported in the same filing (see Methodology).
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 9,370 m in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 6,454 m in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 1.12 in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported 10,913 m shares in First Abu Dhabi Bank financial statements approved .
  • Not available

CAGR: compound annual growth rate from FY2021 to FY2025, our calculation; n/m when the endpoints differ in sign or the base is zero or negative.

1 The bank's own subtotal, which includes net income from Islamic financing; its statements also print a separate, lower line named net interest income.

2 Q3 2025, Q4 2025 and FY2025 are on the presentation used before the H1 2026 statements moved hedging costs on foreign exchange swaps out of net interest income.

Totals may not add up because of rounding.

Arrows show direction of change only, not whether a change is good or bad.

Quarterly

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Table 2 First Abu Dhabi Bank income statement, quarterly, Q3 2024–Q2 2026 (AED millions) AED millions, except per-share data (AED) and percentages · Fiscal year ends 31 December
AED mQ2 2026ended Q1 2026ended Q4 2025ended Q3 2025ended Q2 2025ended Q1 2025ended Q4 2024ended Q3 2024ended
Net interest income5,867 15,612 15,366 D 1 24,997 1 2not available5,006 14,935 D 14,890 1
Non-interest income4,301 D3,723 D3,658 D4,345 Dnot available3,808 D2,767 D3,307 D
Operating income10,1689,3359,024 D9,3429,4958,8147,702 D8,197
Operating income YoY %increased 7.1%increased 5.9%increased 17.2%increased 14.0%not availablenot availablenot availablenot available
Impairment charges9501,100949 D8507527241,095 D909
Operating expenses2,1402,1112,127 D2,0752,0341,9651,970 D1,975
Net profit5,7155,0115,091 D5,3875,5065,1254,189 D4,460
Cost-to-income %21.0%22.6%23.6%22.2%21.4%22.3%25.6%24.1%
Per share
Diluted EPS (AED)0.500.43not available0.460.490.44not available0.38
Diluted shares (m)11,04811,048not available11,04811,04811,048not available11,041
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Source: First Abu Dhabi Bank financial statements Data as of

  • D Fourth quarter derived as the fiscal year minus the nine-month year-to-date total.
  • D Combined from line items reported in the same filing (see Methodology).
  • Not available

1 The bank's own subtotal, which includes net income from Islamic financing; its statements also print a separate, lower line named net interest income.

2 Q3 2025, Q4 2025 and FY2025 are on the presentation used before the H1 2026 statements moved hedging costs on foreign exchange swaps out of net interest income.

Totals may not add up because of rounding.

Arrows show direction of change only, not whether a change is good or bad.

Balance sheet

Annual

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Table 3 First Abu Dhabi Bank balance sheet, annual, FY2021–FY2025 (AED millions) AED millions
AED mFY2025at FY2024at FY2023at FY2022at FY2021at
Loans, net of allowance616,325528,897483,954459,593409,590 R
Customer deposits840,773782,379759,863700,573614,670 R
Total assets1,376,862 R1,213,2471,168,6331,110,0561,001,096 R
Total liabilities1,229,977 R1,082,3721,043,209 1995,006888,449 R
Shareholders' equity146,698130,752125,313115,038112,632 R
Loan-to-deposit %73.3%67.6%63.7%65.6%66.6% R
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Source: First Abu Dhabi Bank financial statements Data as of

  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 410,155 m in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 614,459 m in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 1,403,864 m in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 1,000,343 m in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 1,256,979 m in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 887,514 m in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 112,814 m in First Abu Dhabi Bank financial statements approved .
  • R Uses FY2021 loans, net of allowance as restated or reclassified in First Abu Dhabi Bank financial statements approved (AED 409,590 m; originally reported AED 410,155 m in First Abu Dhabi Bank financial statements approved ).
  • R Uses FY2021 customer deposits as restated or reclassified in First Abu Dhabi Bank financial statements approved (AED 614,670 m; originally reported AED 614,459 m in First Abu Dhabi Bank financial statements approved ).

1 As presented in First Abu Dhabi Bank financial statements approved .

Totals may not add up because of rounding.

Quarterly

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Table 4 First Abu Dhabi Bank balance sheet, quarterly, Q3 2024–Q2 2026 (AED millions) AED millions
AED mQ2 2026at Q1 2026at Q4 2025at Q3 2025at Q2 2025at Q1 2025at Q4 2024at Q3 2024at
Loans, net of allowance661,181667,546616,325596,136not availablenot available528,897not available
Customer deposits852,971870,905840,773848,282not availablenot available782,379not available
Total assets1,408,7391,490,5401,376,862 R1,382,281not availablenot available1,213,247not available
Total liabilities1,264,6761,350,2311,229,977 R1,243,885not availablenot available1,082,372not available
Shareholders' equity143,893140,154146,698138,268not availablenot available130,752not available
Loan-to-deposit %77.5%76.6%73.3%70.3%not availablenot available67.6%not available
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Source: First Abu Dhabi Bank financial statements Data as of

  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 1,403,864 m in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 1,256,979 m in First Abu Dhabi Bank financial statements approved .
  • Not available

Totals may not add up because of rounding.

Cash flow

Annual

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Table 5 First Abu Dhabi Bank cash flow, annual, FY2021–FY2025 (AED millions) AED millions · outflows shown with a minus sign
AED mFY2025ended FY2024ended FY2023ended FY2022ended FY2021ended
Cash from operations42,726 1−1,021 130,132 128,924 R 126,443 R 1
Dividends paid−8,343−7,840−5,720 2−5,328−7,688 R
Cash from investing−3,788−11,970−8,480 2−31,055−4,593 R
Cash from financing14,940−5,412−15,045−16,44311,775
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Source: First Abu Dhabi Bank financial statements Data as of

  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 26,070 m in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 26,397 m in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED −7,688 m in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED −4,547 m in First Abu Dhabi Bank financial statements approved .

1 Net cash from operating activities as the bank prints it; for a bank this includes the changes in its loans and customer deposits.

2 As presented in First Abu Dhabi Bank financial statements approved .

Quarterly

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Table 6 First Abu Dhabi Bank cash flow, quarterly, Q3 2024–Q2 2026 (AED millions) AED millions · outflows shown with a minus sign
AED mQ2 2026ended Q1 2026ended Q4 2025ended Q3 2025ended Q2 2025ended Q1 2025ended Q4 2024ended Q3 2024ended
Cash from operations−49,399 D 124,457 15,794 D 114,419 D 1−32,558 D 155,071 1−28,038 D 1not available
Dividends paidnot availablenot available−36 D−3 Dnot availablenot available−5 Dnot available
Cash from investing25,250 D−17,906−7,425 D17,529 D−9,414 D−4,4783,643 Dnot available
Cash from financing7,712 D−5744,622 D−6,872 D14,121 D3,069−382 Dnot available
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Source: First Abu Dhabi Bank financial statements Data as of

  • D Quarter derived from year-to-date totals: the six- or nine-month figure minus the earlier quarters.
  • D Fourth quarter derived as the fiscal year minus the nine-month year-to-date total.
  • Not available

1 Net cash from operating activities as the bank prints it; for a bank this includes the changes in its loans and customer deposits.

Per share and dividends

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Table 7 First Abu Dhabi Bank per-share data and dividends, annual, FY2021–FY2025 AED per share, split-adjusted · shares in millions
AEDFY2025ended FY2024ended FY2023ended FY2022ended FY2021ended
Basic EPS (AED)1.851.481.431.181.10 R
Diluted EPS (AED)1.851.481.431.181.10 R
Diluted shares (m)11,04811,04111,04111,04111,040 R
(opens in new tab)

Source: First Abu Dhabi Bank financial statements Data as of

  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 1.12 in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 1.12 in First Abu Dhabi Bank financial statements approved .
  • R Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported 10,913 m shares in First Abu Dhabi Bank financial statements approved .

Notes on these figures

  • R Restated or reclassified
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 18,102 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 14,386 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 9,370 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 6,454 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 1.12 in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported 10,913 m shares in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 410,155 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 614,459 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 1,403,864 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 1,000,343 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 1,256,979 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 887,514 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 112,814 m in First Abu Dhabi Bank financial statements approved .
    • Uses FY2021 loans, net of allowance as restated or reclassified in First Abu Dhabi Bank financial statements approved (AED 409,590 m; originally reported AED 410,155 m in First Abu Dhabi Bank financial statements approved ).
    • Uses FY2021 customer deposits as restated or reclassified in First Abu Dhabi Bank financial statements approved (AED 614,670 m; originally reported AED 614,459 m in First Abu Dhabi Bank financial statements approved ).
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 26,070 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 26,397 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED −7,688 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED −4,547 m in First Abu Dhabi Bank financial statements approved .
    • Restated or reclassified in First Abu Dhabi Bank financial statements approved ; originally reported AED 1.12 in First Abu Dhabi Bank financial statements approved .
  • D Derived by StockFactsheet
    • Combined from line items reported in the same filing (see Methodology).
    • Fourth quarter derived as the fiscal year minus the nine-month year-to-date total.
    • Quarter derived from year-to-date totals: the six- or nine-month figure minus the earlier quarters.
  • Template: bank statement set (net interest income, deposits and loans).
  • Arrows show direction of change only, not whether a change is good or bad.

How we got these numbers

Every figure comes from First Abu Dhabi Bank's published financial statements. Derived values are marked D and explained below.

Full method for this page
Source documents
Interim and annual financial statements (FY2021 to Q2 2026)
Period covered
8 quarters and 5 fiscal years
Calculations
TTM = sum of the last 4 quarters. Q4 = fiscal year minus the nine-month YTD. Operating income = net interest income + non-interest income. Cost-to-income = operating expenses ÷ operating income (our calculation).
Restatements
FY2021 loans, net of allowance, an input of the FY2021 ratio, was restated or reclassified in First Abu Dhabi Bank financial statements approved (originally AED 410,155 m). FY2021 customer deposits, an input of the FY2021 ratio, was restated or reclassified in First Abu Dhabi Bank financial statements approved (originally AED 614,459 m). Restated or reclassified figures carry the R marker; its footnote gives the originally reported value.
Comparator
None: this page shows the company's own figures only.
Currency
As reported (AED); no FX conversion.
Re-keying
Figures keyed from the issuer's published statements (PDF) with our entry tool, then checked by code against the PDF's own text (the figure on its cited page, in the row with its printed label) and by our fact-check step. The column and the sign are recorded, and lists any mismatch for review.
Read the full methodology

CSV downloads

One file per statement, with the annual and quarterly figures on this page in full units.

Sources and data

Data as of Figures are as reported in the filings below. Derived figures are our calculations (see Methodology).

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  1. [1] Issuer statement First Abu Dhabi Bank interim financial statements, H1 2026 First Abu Dhabi Bank P.J.S.C. · approved · bankfab.com
  2. [2] Issuer statement First Abu Dhabi Bank interim financial statements, Q1 2026 First Abu Dhabi Bank P.J.S.C. · approved · bankfab.com
  3. [3] Issuer statement First Abu Dhabi Bank annual financial statements, FY2025 First Abu Dhabi Bank P.J.S.C. · approved · bankfab.com
  4. [4] Issuer statement First Abu Dhabi Bank interim financial statements, M9 2025 First Abu Dhabi Bank P.J.S.C. · approved · bankfab.com
  5. [5] Issuer statement First Abu Dhabi Bank annual financial statements, FY2024 First Abu Dhabi Bank P.J.S.C. · approved · bankfab.com
  6. [6] Issuer statement First Abu Dhabi Bank annual financial statements, FY2023 First Abu Dhabi Bank P.J.S.C. · approved · bankfab.com
  7. [7] Issuer statement First Abu Dhabi Bank annual financial statements, FY2022 First Abu Dhabi Bank P.J.S.C. · approved · bankfab.com
  8. [8] Issuer statement First Abu Dhabi Bank annual financial statements, FY2021 First Abu Dhabi Bank P.J.S.C. · approved · bankfab.com
  9. [9] Our dataset Keyed from First Abu Dhabi Bank's Q2 2026 financial statements (PDF) and checked by code against the PDF's text; signed off on .

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Cite this page

StockFactsheet (2026). "First Abu Dhabi Bank financial statements: income, balance sheet, cash flow." Signed off by OffScriptBySami. Updated ; data as of . https://stockfactsheet.com/stocks/fab-adx/financials/

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For information only. StockFactsheet does not recommend buying, selling or holding any security. Figures can contain errors; always check the original filings. Full disclaimer

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How this page was made
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  2. Drafted from our dataset only
  3. Automated checks and review steps passed ()
  4. Signed off and published by OffScriptBySami (, GST)

Update history

  1. Published First published version.