Improved Income and Investment Gains Boost First Abu Dhabi Bank's Profit to AED 21.2 Billion in 2025

Abu Dhabi | EcoPulse24

First Abu Dhabi Bank concluded 2025 with stronger profitability, supported by improved operating revenues, higher investment and derivatives gains, and a decline in net impairment charges compared to the previous year, according to the consolidated financial statements for the year ended 31 December 2025.

Profit (Performance):
The bank reported a net profit of AED 21,189 million versus AED 17,096 million in 2024. Net profit attributable to shareholders reached AED 21,110 million compared to AED 17,055 million. Basic and diluted earnings per share increased to AED 1.85 from AED 1.48.

Operating Income (Value):
Total operating income was AED 36,675 million versus AED 31,625 million in 2024, driven by several sources. Notably, net gains from investments and derivatives rose to AED 11,553 million from AED 5,399 million. Net fee and commission income improved to AED 4,817 million from AED 3,758 million. In contrast, foreign exchange operations recorded net losses of AED 1,453 million compared to profits of AED 1,832 million in 2024.

Interest and Islamic Finance (Value):
Net interest income was AED 17,859 million versus AED 17,474 million. Net income from Islamic financing and investment products totaled AED 2,463 million compared to AED 2,138 million.

Provisions and Taxes (Value):
Profit before tax stood at AED 25,200 million versus AED 19,914 million. Net impairment charges were AED (3,275) million compared to (3,924) million. Income tax expense was AED (4,011) million versus (2,818) million.

Key Financial Performance Figures (AED Million)

EcoPulse24 Analysis:
The results show that profitability was mainly driven by expansion in operating income, with a clear contribution from investment and derivative gains and improved net fee and commission income. However, foreign exchange operations became a pressure point following a shift to losses. Meanwhile, the decline in net impairment charges provided additional resilience, reflecting a trend toward better-quality earnings, provided risk discipline and diversified income sources are maintained amid market volatility.