First Abu Dhabi Bank · ADX:FAB
First Abu Dhabi Bank — Q3 2026 Earnings Presentation
24 slides from First Abu Dhabi Bank's earnings presentation, Oct 29, 2026
Slide 1: Q3/9M'26 Earnings Presentation
Q3/9M’26 Earnings Presentation 29th October 2026
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'26 Key highlights
Record 9M’26 Group Net Profit of AED 16.46bn, +3% yoy, reflecting strong underlying operating performance. Robust returns at scale with RoTE at 18.6%. Group revenue of AED 29.71bn, +7% yoy, led by diversified revenue streams, margin expansion and continued cost discipline. 9M’26 AED 1.47tn asset bas
Slide 5: Advancing strategic priorities with focus and impact
Advancing strategic priorities with focus and impact Broad-based franchise growth Regional leadership with Accelerating AI and Sustainable finance driven by client-centric global connectivity innovation, unlocking leadership delivering scale solutions measurable value and impact • Supporting the UAE
Slide 6: Financial review
sli aesly ‘AB Financial review
Slide 7: Record 9M'26 results with PBT crossing AED 20bn
Record 9M’26 results with PBT crossing AED 20bn Income Statement - Summary (AED mn) Q3'26 vs Q2'26 vs Q3'25 9M'26 vs 9M'25 Operating income +7% yoy to AED 29.71bn, led by Net interest Income 5,503 (6%) 6% 16,982 11% higher volumes and margin expansion. Q3’26 operating Non-interest Income 4,709 9%
Slide 8: Sustained broad-based revenue momentum across the bank
Sustained broad-based revenue momentum across the bank By division…. by geography…. 9M’26 Operating Income Personal, Business, Wealth & 22% Investment Banking & Markets Wholesale Banking Privileged Client Banking Group International UAE AED 9.33bn AED 5.14bn AED 10.00bn 78% +4% yoy +13% yoy +4
Slide 9: Higher volumes and margins drive double-digit NII expansion
Higher volumes and margins drive double-digit NII expansion 12,000 1.95 1.99 1.93 Group 1.82 1.85 1.88 1.75 NIM (%) Strong NII performance, +11% yoy supported by 10,000 qoq ↓6%, yoy ↑6% yoy ↑11% volume growth and margin expansion. 16,982 Net Interest Margin (NIM) was 1.93% over 9M’26, 8,000 +5bp
Slide 10: Diversified platform continues to drive NFI strength
Diversified platform continues to drive NFI strength 4.2 Non-Interest Income trend (AED3.5 bn) FX and Other Investment Income, net (AED bn) qoq ↑17%, yoy ↑15% yoy ↑1% NFI as % of operating income yoy ↑3% 7.6 7.7 45% 3.1 2.0 2.0 12.7 2.7 2.5 2.7 43% 12.4 1.9 0.8 0.8 0.8 0.8 0.8 0.5 5.6 5.7 1.2 1.9 1.
Slide 11: Continued investment in talent, technology and AI
Continued investment in talent, technology and AI 23.6 22.2 22.6 22.0 Cost-to- 21.5 21.0 21.0 Income 4,500 Ratio (%) 4,000 qoq , yoy ↑4% yoy ↑5% 3,500 9M’26 operating expenses were AED 6.40bn, +5% yoy, reflecting continued strategic 3,000 6,399 investments, cost discipline and ongoing AI- 6,073 en
Slide 12: Broad-based franchise momentum sustaining loan growth
Broad-based franchise momentum sustaining loan growth Healthy lending growth across key segments Well-balanced portfolio across economic sectors Gross loans trend by counterparty (AED bn) Manufacturing Construction 6% 2% Real Estate 16%2 +64bn, ↑ 10% ytd Agriculture Energy Trading 1% 9% 3% +18bn, Pe
Slide 13: Strong deposit franchise, high-quality, diversified funding mix
Strong deposit franchise, high-quality, diversified funding mix Strong deposit franchise, robust liquidity position Resilient CASA mix (AED bn) Customer deposits trend by counterparty (AED bn), LCR % 848 871 853 885 158% 154% 145% 140% 140% 841 Fixed 488 462 498 479 449 +44bn, ↑ 5% ytd Deposits +32b
Slide 14: Solid asset quality underpinned by prudent provisioning
Solid asset quality underpinned by prudent provisioning Impairment charges, net (AED mn) & CoR1 (bps) NPLs2 and ECLs3 (%) Provision Coverage (%) NPL ratio (%) 67 62 114 63 108 110 108 4.5 61 115 59 106 58 110 4 55 105 100 3.5 3 95 2.5 90 85 2.6 2 qoq ↑11%, yoy ↑24% yoy ↑33% 80 2.2 2.1 2.2 2.1 1.5 75
Slide 15: Strong capital position
Strong capital position CET1 Ratio progression CET1, Tier 1 and CAR trends (%) 18% 17.4% CAR 16% Cash DPS: 15.4% Tier 1 80 fils 14.5% +73 bps AED 8.84bn 14% 14.0% CET1 1.2% -15 bps -29bps 14.0% 13.7% 13.3% 12% Jun'20 Jun'22 Jun'23 Jun'24 Jun'25 Jun'26 Sep'20 Sep'21 Sep'22 Sep'23 Sep'24 Dec'24 Sep'25
Slide 16: Well on track with FY'26 financial guidance
Well on track with FY’26 financial guidance Macro-outlook1 9M’26 actuals 2026 guidance UAE real GDP growth Scale Loan growth +10% ytd ✓ Low- to mid- teens c.3.0% FY’26 c.5.8% FY’27 Cost of Risk 62bps ✓ < 70bps Oil Asset Quality Provision c. 88/b USD 114% ✓ > 90% Coverage Ratio (FY’26) RoTE 18.6% ✓ >
Slide 17: Wrap-up
Record 9M’26 Group Net Profit of AED 16.46bn, +3% yoy, reflecting strong underlying operating performance. Robust returns at scale with RoTE at 18.6%. Group revenue of AED 29.71bn, +7% yoy, led by diversified revenue streams, margin expansion and continued cost discipline. Wrap-up AED 1.47tn asset b
Slide 18: Appendix
HEADLINE Appendix
Slide 19: 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’26 9M’25 yoy % 9M’26 9M’25 yoy % 9M’26 9M’25 yoy % (AED mn) (AED mn) (AED mn) Net interest Income 5,433 4,214 2
Slide 20: Q3/9M'26 highlights – Group financials (AED)
Q3/9M’26 highlights – Group financials (AED) Income Statement - Summary (AED mn) Q3’26 Q2’26 qoq % Q3’25 yoy % 9M’26 9M’25 yoy % Net interest Income 5,503 5,867 (6) 5,192 6 16,982 15,282 11 Non-interest Income 4,709 4,301 9 4,150 13 12,732 12,369 3 Operating Income 10,212 10,168 0 9,342 9 29,714 27,
Slide 21: Q3/9M'26 highlights – Group financials (USD)
Q3/9M’26 highlights – Group financials (USD) Income Statement - Summary (USD mn) Q3’26 Q2’26 qoq % Q3’25 yoy % 9M’26 9M’25 yoy % Net interest Income 1,498 1,598 (6) 1,414 6 4,624 4,161 11 Non-interest Income 1,282 1,171 9 1,130 13 3,467 3,368 3 Operating Income 2,781 2,769 0 2,544 9 8,091 7,529 7 Op
Slide 22: Diversified real estate portfolio
Diversified real estate portfolio Significantly reduced exposure to real estate over time Conservative underwriting policies on real estate 26% 22% 22% 22% 200.0 180.0 Strong sponsor and equity underwriting standards. 19% 19% 160.0 20% 17% 17% 16% 16% In-depth evaluation of asset fundamentals, i
Slide 23: High-quality and diversified investment portfolio
High-quality and diversified investment portfolio By type By ratings By geography By counterparty By liquidity type Sep’26 Sep’26 Sep’26 Sep’26 Sep’26 AED 277bn AED 277bn AED 277bn AED 277bn AED 277bn Dec’25 Dec’25 Dec’25 Dec’25 Dec’25 AED 269bn AED 269bn AED 269bn AED 269bn AED 269bn • 62% rated A
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For more information, please visit www.bankfab.com or contact FAB You can also download FAB’s Explore FAB’s IR chatbot on our Investor Relations team at Investor Relations App from App website and IR app for quick access [email protected] Store / Google Play to access latest to financial information an