Built on strength, positioned for growth
2025 saw FAB achieve record profitability, demonstrating the strength and diversification of its earnings model, supported by broad-based income growth
A regional financial powerhouse
1.4
USD 382 bn
Largest bank in MEA Among top 100 largest banks worldwide
Total assets
193
USD 52 bn
Top 60 banks worldwide
Market capitalisation
28%
Total assets market share
Dominant UAE franchise
UAE market share
Generating consistently strong returns and diversified income streams
21.11
+24% yoy
19.2%
Group revenue:
By Geography
Group revenue:
By income source
Solid track record of shareholder returns
(2021-2025)
45%
Average cash dividend payout
(2021-2025)
36.1
(USD 9.8 bn)
Cumulative cash dividend payout
Diverse and strong shareholding structure
37.9%
Mubadala Investment Company (MIC)
37.9%
Other UAE entities/individuals
37.9%
Abu Dhabi Ruling Family
37.9%
Foreigners
Industry-leading recognition
Best Investment Bank for Financial Institutions - ME
2025 Euromoney Awards for Excellence
Best Trade Finance provider - MEx
2025 Global Finance
The Middle East's Best Transaction Bank
2025 Euromoney Awards
Best Bank for Sustainable Finance - ME
2025 Global Finance
Among the strongest & safest banks globally
Aa3/AA-/AA-
Moody's / Fitch / S&P
(outlook: stable)
Strongest combined credit rating among MENA banks
AA
MSCI ESG rating
Best rating in MENA
78
Refinitiv ESG score
Top 6% worldwide
Strongest combined ESG rating profile in MENA
Our global footprint
Our expanding global network cements FAB’s position as a regional anchor for cross-border liquidity, trade and investment flows.
5
20
140+
>4 mn
>7,500
A trusted partner in the UAE's next phase of growth
With a focused strategy, resilient foundations, and a deep commitment to the country’s long-term vision, FAB will continue to serve as a cornerstone of the UAE’s financial system and a trusted partner in shaping the next phase of economic progress
In 2025, FAB delivered a strong and resilient performance, reflecting sustained progress in building scale, diversification, and long-term value. The Group achieved record profitability, supported by robust operating income growth, improved asset quality, and disciplined cost management. A diversified revenue mix and a sector-leading cost-to-income ratio reinforced the resilience of our business model across economic cycles.
Connecting clients to opportunity and supporting national transformation
In 2025, FAB accelerated regional momentum, strengthened corridor activity, expanded its international footprint and embedded AI across the bank to maximise cross-border trade and investment opportunities.
A year of disciplined execution and measurable progress enabled FAB to deliver record profitability, strengthen its balance sheet, and further diversify its revenue base across Investment Banking & Markets, Wholesale, and Personal, Business, Wealth & Privileged Client segments. Group revenue reached AED 36.68 billion, with net profit of AED 21.11 billion, while Return on Tangible Equity stood at 19.2%, firmly exceeding our medium-term guidance and reinforcing FAB’s position among the world’s most profitable AA-rated banks
Delivering robust performance at scale
The Group enters 2026 on a strong footing, with positive momentum, a resilient balance sheet, and firm confidence in our ability to deliver robust returns at scale through the cycle.
FAB delivered a record performance in 2025, fueled by broad-based franchise growth, an unwavering focus on diversification, and disciplined cost and risk management. The Group continued to benefit from its unique position as the UAE’s global bank while developing its international franchise at pace, thereby providing regional leadership, global connectivity and supporting the diversification of our business mix
Operating income +16% yoy
1.7x
Profit before tax +27% yoy
1.9x
Net profit +24% yoy
1.7x
Our business lines
11.79
+16% yoy
Operating
income
10.12
+16% yoy
Profit
before tax
52%
FY'24: 45%
NFI % of
operating income
177
+16% yoy
Loans and
advances (net)
171
-13% yoy
Customer
deposits
330
+23% yoy
Client fundraising via
ECM and DCM platforms
Our leadership was reaffirmed across MENA Investment Banking league tables
#1
in Loan Agency
#2
in Bookrunner Loans
#2
in ECM MENA
#4
in ECM MENA
#5
in MENA DCM
6.40
+11% yoy
Operating
income
4.81
+17% yoy
Profit
before tax
38%
FY'24: 31%
NFI % of
operating income
168
+16% yoy
Loans and
advances (net)
243
+10% yoy
Customer
deposits
10%
yoy increase in
CASA volumes
Best Trade Finance Provider in the Middle East - Global Finance
Best Financial Sector Portal in the Middle East - MEA Finance
Best AI Technology Implementation - UAE - MEA Finance
12.65
+10% yoy
Operating
income
7.81
+18% yoy
Profit
before tax
28%
FY'24: 23%
NFI % of
operating income
237
+11% yoy
Loans and
advances (net)
311
+24% yoy
Customer
deposits
28%
yoy growth in
retail AUMs
Gold Award for Innovation in Consumer Products & Services- MENA Stevie Awards
Best Domestic Private Bank - MEA Finance Industry Awards 2025
Best Private Bank in the UAE - The Banker
International franchise
FAB’s International franchise is a key growth engine, supporting the Group’s strategy to be the UAE’s global bank and a leading corridor bank across major international markets.
6.66
+12% yoy | on adjusted basis 1
Operating income
4.23
+9% yoy | on adjusted basis 1
Profit before tax
19%
NFI % of operating income
150
+35% yoy
Loans and advances (net)
219
+25% yoy
International deposits
30%
Contribution to group assets
Pioneering digital innovation, embedding AI at scale
FAB has continued to accelerate its AI journey in 2025, moving from experimentation to scaled deployment across the Group. This progress is generating measurable financial, operational, and customer experience outcomes, reinforcing FAB’s ambition to become the region’s leading AI-enabled banking institution.
Six strategic digitalisation priorities
2025 Digital Key Milestones
Virtual assets platform development
Agentic AI framework rollout
AI use case expansion
Github Copilot for developers
Microsoft 365 Copilot deployment
Culture of continuous AI enablement
Fully developed MDP, storing the banks data
Strong AI governance
Sustainability review
As the UAE’s global bank and a regional leader in sustainable finance, we continue to advance inclusive and resilient growth.
Our approach to sustainability
Guided by the UAE's Year of Community and the imperatives of the global transition, our ESG strategy delivered measurable, real-world impact across environmental, social and governance priorities.
Download FAB 2025 ESG Report
The region’s largest sustainable finance commitment
500
in sustainable financing
by 2030
21.2
in project financed by green, social, blue, low-carbon energy bonds and green sukuk
381
facilitated in sustainable
financing by 2025
Progress towards FAB
sustainable finance target
A leader in sustainable finance | 2025 achievements and accolades
