First Abu Dhabi Bank (FAB) reported a 21% increase in third-quarter net profit, reaching AED 5.39 billion ($1.47 billion). The results surpassed market expectations, reflecting robust performance across the bank’s operations.
The profit surge was supported by strong loan demand and higher interest rates, which enhanced net interest income. Both corporate and retail lending contributed to the growth, highlighting the bank’s diversified business model.
FAB executives noted that disciplined risk management, strategic lending initiatives, and efficient cost control were key factors in delivering strong profitability. The increase in lending activity reflects confidence among businesses and consumers, while higher interest rates strengthened overall margins.
The bank’s third-quarter results underscore resilience in the UAE banking sector. Analysts highlighted that consistent earnings growth and solid loan performance demonstrate FAB’s ability to maintain stability in a competitive market environment.
Loan growth was driven by corporate financing, small and medium-sized enterprises (SMEs), and retail lending, including mortgages and personal loans. Rising loan demand reflects expanding economic activity and investor confidence in the region.
Higher interest rates contributed to stronger net interest margins, supporting profitability while enhancing shareholder value. Analysts said the combination of loan growth and favorable interest rates positions FAB for continued success in the coming quarters.
Deposit growth and liquidity management also played a role in strengthening the bank’s balance sheet. Rising deposits provide a reliable funding base to support lending activities and strategic initiatives. This balanced growth enhances financial stability and operational efficiency.
Investor sentiment responded positively to FAB’s results, reflecting confidence in the bank’s strategy and execution. Analysts expect continued focus on digital transformation, customer engagement, and strategic lending to drive sustainable growth.
The third-quarter performance aligns with broader trends in the UAE banking sector, where improving economic conditions and rising interest rates support healthy earnings. FAB’s ability to capitalize on these trends reflects strategic planning and effective market positioning.
Looking ahead, First Abu Dhabi Bank plans to maintain momentum through targeted lending initiatives, investment in digital services, and customer-focused solutions. These strategies aim to enhance profitability, support growth, and reinforce the bank’s market leadership.
Overall, FAB’s 21% profit growth in Q3 2025 demonstrates strong loan demand, effective interest rate management, and operational efficiency. The results reinforce confidence in the bank’s strategy and outlook for sustained performance.
