Slides
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28th January 2026 Q4/FY’25 Earnings Presentation
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The information contained herein has been prepared by First Abu Dhabi Bank P.J.S.C ("FAB"). The information contained in thispresentation 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 not guarantee its accuracy or completeness. This presentation has been prepared for information purposes only and is not and does not form part of any offer for sale or solicitation of any offer to subscribe to or purchase or sell any securities nor shall it or any part of it form the basis of or be relied on in connection with any contract or commitmentwhatsoever. Some of the information in this presentation may contain projections or other forward-looking statements regarding future events or the future financial performance of FAB. These forward-looking statements include all matters that are not historical facts. The inclusion of such forward-looking information shall not be regarded as a representation by FAB or any other person that the objectives or plans of FAB will be achieved. FAB undertakes no obligation to publicly update or publicly revise any forward-looking statement, whether as a result of new information, future events or otherwise. In Q4’25, the Group reclassified certain hedge-related costs between net interest income and non-interest income to better reflect underlying revenue and margin dynamics. Comparative figures for FY’25 have been restated accordingly. Please note that rounding differences may appear throughout the presentation. Disclaimer 2 | Q4/FY’25 Earnings Presentation
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HEADLINE HEADLINE Opening remarks
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FY’25 key highlights 4 | Q4/FY’25 Earnings Presentation • FY’25 Net Profit at AED 21.11bn (+24% yoy), Revenue at AED 36.68bn (+16% yoy), reflecting multiple years of consistent progress in building scale, resilience,and long-termvalue. • Operating performance driven by strong business momentum, resilient margins, diversified income streams, cost discipline, and sustained improvementin asset quality. • Exceeded all elements of FY’25 financial guidance,delivering robust returns at scale with 19.2% RoTE firmly above MT guidance. • FY’25 proposed dividend1 represents the highest cash distribution in the Group’s history, reinforcing FAB’s commitment to delivering sustainable shareholder returns. • Strong balance sheet fundamentals provide solid foundation for sustained growth and value creation. 1. Proposed dividend subject to shareholders’ approval at the upcoming Annual General Meeting on March 11, 2026.
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Sustained profit growth driving higher shareholder returns 12.53 13.41 16.40 17.05 21.11 5.35 5.75 7.84 8.29 8.84 2021 2022 2023 2024 2025 Cash DPS 0.49 0.52 0.71 0.75 0.801 EPS 1.10 1.18 1.43 1.48 1.85 36bn Cumulative cash dividends over 2021-2025 Net profit Cash Dividends 1. Proposed dividend subject to shareholders’ approval at the upcoming Annual General Meeting on March 11, 2026. 5 | Q4/FY’25 Earnings Presentation (AED bn) (AED) (AED)
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2025 guidance FY’25 actuals Scale Loan growth Low double-digit +17% Asset Quality Cost of Risk < 75bps 57bps Provision Coverage Ratio > 90% 108% Profitability & Capital RoTE > 16% 19.2% CET1 (pre-dividend) > 13.5% 14.5% Exceeded all FY’25 financial guidance metrics 6 | Q4/FY’25 Earnings Presentation ✓ ✓ ✓ ✓ ✓ 14.6% 16.2% 16.1% 13.0% 15.1% 15.7% 17.6% 16.8% 19.2% FY'17 FY'18 FY'19 FY'20 FY'21 FY'22 FY'23 FY'24 FY'25 RoTE Producing resilient returns, through the cycle
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Broad-based franchise growth driven by client-centric solutions • Double-digit revenue growth across every division, with an improved revenue mix. • Diversified balance sheet expansion supported by sustained demand. Islamic franchise lending +28% yoy, customer deposits +39% yoy. • Maintained top-tier MENA IB league table rankings, enabling AED 330bn in client fundraising, +23% yoy. • Strategic partnerships with Amundi and T. Rowe Price to support future momentum. Retail AUMs +28% yoy. • Record Global Markets performance driven by increased client flow activity and effective cross-selling. Regional leadership with global connectivity • Strong momentum across international geographies, with lending +35% yoy and customer deposits +25% yoy. • International franchise contributed 19% to group revenue, reinforcing FAB’s role as a trusted facilitator of cross-borderflows. • Expanded footprint with operations live in Turkey and GIFT City, landmark transactions in Nigeria, strong progress on French subsidiarisation. Accelerating AI adoption journey, unlocking measurable value Operating from a position of strength • Robust fundamentals and a disciplined risk approach. • Consistently strong credit ratings of AA- or equivalent. • Funding execution across multiple innovative formats. • Leadership in sustainable finance with AED 381bn transition financing facilitated to-date, or 76% of AED 500bn2030 target. • Included in the Global 500 brand ranking1 for the first time. Disciplined execution driving increased franchise sophistication 7 | Q4/FY’25 Earnings Presentation • Microsoft Copilot rolled out to all employees, supported by library of 1,000+ Copilot agents. AI adoption reinforced by culture of continuous learning. • 30+ agentic AI solutions being advanced across the enterprise, delivering measurable outcomes. • Over 90% of the group’s structured data integrated into a modern enterprise data platform with an agentic AI layer. • Ecosystem partnerships accelerating AI execution at scale, inline with national ambitions. • Group-wide AI governance framework anchored in Responsible AI principles, with an expanding pool of specialist talent. 1. Brand Finance Global 500, 2026 rankings
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HEADLINE HEADLINE Financial review
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FY’25 net profit up 24% yoy, Group RoTE at 19.2% Income Statement – Summary (AED mn) FY'25 FY'24 yoy % Net interest Income 20,322 19,612 4 Non-interest Income 16,353 12,013 36 Operating Income 36,675 31,625 16 Operating expenses (8,200) (7,787) 5 Net impairment charge (3,275) (3,924) (17) Profit Before Tax 25,200 19,914 27 Taxes and NCI (4,090) (2,859) 43 Net Profit 21,110 17,055 24 Basic Earning Per Share (AED) 1.85 1.48 24 Key Ratios (%) FY'25 FY’24 yoy (bps) Net Interest Margin 1.84 1.93 (9) Cost-Income Ratio 22.4 24.6 (224) Cost of Risk (bps) 57 75 (18) Non-Performing Loans Ratio 2.2 3.4 (121) Provision Coverage Ratio 108 96 Large Liquidity Coverage Ratio (LCR) 154 142 Large Return on Tangible Equity (RoTE) 19.2 16.8 240 CET1 Ratio 13.3 13.7 (40) PBT at AED 25.20bn, +27% yoy and NPAT at AED 21.11bn, +24% yoy, driven by broad-based revenue momentum across the franchise. Operating income at AED 36.68bn, +16% yoy fueled by NII (+4%), and NFI (+36%) highlighting FAB’s diversified revenue generation model. Operating expenses at AED 8.20bn , +5% yoy reflecting cost discipline and efficiency gains from continued technology and AI investments. Impairment charges at AED 3.28bn, -17% yoy supported by a strong macro-economic backdrop. Robust capital and liquidity position with CET1 Ratio at 13.3% and LCR at 154%, comfortably above minimum regulatory requirements. 9 | Q4/FY’25 Earnings Presentation Balance Sheet (AED bn) Dec'25 Dec’24 yoy % Total Assets 1,404 1,213 16 Loans, Advances and Islamic Financing (net) 616 529 17 Customer Deposits 841 782 7 CASA (balances) 392 360 9 Strong balance sheet momentum across lending +17% yoy, and customer deposits +7% yoy.
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Q4’25 net profit up 22% driven by diversified revenues Income Statement – Summary (AED mn) Q4'25 Q3’25 qoq % Q4’24 yoy % Net interest Income 5,040 5,193 (3) 4,936 2 Non-interest Income 3,984 4,150 (4) 2,767 44 Operating Income 9,024 9,342 (3) 7,704 17 Operating expenses (2,126) (2,075) 2 (1,970) 8 Net impairment charge (949) (850) 12 (1,095) (13) Profit Before Tax 5,949 6,417 (7) 4,638 28 Taxes and NCI (857) (1,030) (17) (449) 91 Net Profit 5,092 5,387 (5) 4,189 22 Basic Earning per Share (AED) 0.46 0.46 - 0.36 28 Key Ratios (%) Q4'25 Q3’25 qoq (bps) Q4'24 yoy (bps) Net Interest Margin 1.75 1.82 (7) 1.93 (18) Cost-Income Ratio 23.6 22.2 136 25.6 (202) Cost of Risk (bps) 61 63 (2) 84 (24) Return on Tangible Equity (RoTE) 17.7 19.7 (204) 16.1 158 PBT at AED 5.95bn, +28% yoy driven by diversified revenue momentum across the franchise. -7% qoq largely reflects higher impairments and a lower revenue base. NPAT at AED 5.09bn, +22% yoy despite the step-up in UAE corporate tax in 2025. -5% qoq reflecting the lower PBT. Operating income at AED 9.02bn, +17% yoy driven by strong business volumes and higher non-interest income across both Fees & Commissions and FX/Investment income. Solid operating efficiency with Group CIR at 23.6% while operating expenses stood at AED 2.13bn, +8% yoy, +2% qoq. Impairment charges at AED 0.95bn, -13% yoy, +12% qoq, representing a cost of risk of 61 bps. 10 | Q4/FY’25 Earnings Presentation
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By division,... Delivering broad-based growth across the franchise …geography, …and income source. 11 | Q4/FY’25 Earnings Presentation Investment Banking & Markets (AED bn) Wholesale Banking (AED bn) Personal, Business, Wealth & Privileged Client Banking Group (AED bn) International, 19% UAE, 81% Non-funded income, 45% Net interest income, 55% 5.8 6.4 FY'24 FY'25 ↑ 11% yoy 10.1 11.8 FY'24 FY'25 11.5 12.7 FY'24 FY'25 ↑ 16% yoy ↑ 10% yoy
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1.93 1.97 1.85 1.82 1.75 1.93 1.84 4,936 5,006 5,085 5,193 5,040 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Net Interest Income (AED mn) NII up 4% yoy on higher volumes and resilient margins 12 | Q4/FY’25 Earnings Presentation Group NIM (%) 19,612 20,322 FY'24 FY'25 -50 bps | - | - | -25 bps | -50 bpsFed rate cuts -100 bps | -75 bps qoq ↓3%, yoy ↑2% yoy ↑4% Resilient NII performance supported by strong volume growth. Net Interest Margin (NIM) was 1.84% over FY’25, 9bps lower yoy due to impact of lower benchmark rates. Q4’25 NIM was 1.75%, 7bps lower qoq reflecting lower IIS recoveries and impact of lower benchmark rates. P&L impact from -25bps parallel movement in interest rates is estimated at c. AED (200)mn1, if no offsetting action is taken by management. 1. For further details, please refer to Market Risk note #47 (c) of FY’25 financial statements.
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AED 6.6bn AED 9.3bn AED 12.0bn AED 16.4bn 32% As % Operating Income 34% 38% 45% 421 625 587 641 745 242 280 286 336 303 227 299 246 241 229 1,203 1,119 1,218 1,277 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Loan-related Trade-related Other F&C 13 | Q4/FY’25 Earnings Presentation FX and Other Investment Income, net (AED mn) 560 675 597 766 753 633 932 968 1,038 603 539 736 1,019 905 1,108 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 GM Sales GM Trading Treasury and other qoq ↓9%, yoy ↑42% Fees & Commissions, net (AED mn) 1,943 2,791 2,778 3,542 2,510 3,768 FY'24 FY'25 yoy ↑40% 1,733 2,344 2,584 2,709 2,464 7,231 10,101 Non-Interest Income trend1 (AED bn) 1,951 2,597 1,030 1,205 777 1,015 3,758 4,817 FY'24 FY'25 qoq ↑5%, yoy ↑44% yoy ↑28% 889 2 NFI up 36% yoy, reflecting more diversified, capital-light profile 1. Excludes one-offs related to gains on disposals. 2. Includes fees & commissions related to advisory and corporate finance activities, asset management, accounts-related fees, among others. 1.4 1.6 1.9 1.7 2.3 2.4 2.4 2.2 3.1 2.8 3.3 2.8 3.8 4.4 4.2 4.0 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25
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Operating expenses at AED 8.20bn , up 5% yoy reflecting cost discipline and efficiency gains from continued technology and AI investments. The increase in staff costs reflect targeted hiring and expanded AI specialist capabilities. Opex drivers (AED mn) Cost discipline amid continued AI-led transformation 14 | Q4/FY’25 Earnings Presentation 7,787 8,200 +207 (93) +298 FY'24 Staff costs Depreciation & IT costs Other costs FY'25 yoy ↑5% 22.4% Cost-to-Income Ratio (FY’24: 24.6%) Operating efficiency remained robust , reflected in the Cost-to-Income ratio of 22.4% for FY’25, compared to 24.6% the prior year. Revenue growth has outpaced cost growth yoy for 12 consecutive quarters, demonstrating improved operating efficiency.
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Strong balance sheet momentum, at scale 15 | Q4/FY’25 Earnings Presentation 551 633+40 +9 +1 +29 +4 Dec'24 Corp/ Pvt Sector Personal/ Retail GREs Govt Banks Dec'25 782 841 +86 +15 +2 (11) (34) Dec'24 Corp/Pvt Sector Personal/ Retail GREs Govt CDs Dec'25 +58bn ↑ 7% yoy Movements in Gross Loans by Counterparty (AED bn) Movements in Customer Deposits by Counterparty (AED bn) Balance Sheet summary (AED bn) Dec'25 Sep’25 qoq % Dec'24 yoy % Cash and Balances with Central Banks 268 264 2 214 25 Loans, Advances and Islamic Financing 616 596 3 529 17 Investments 269 272 (1) 248 8 Total Assets 1,404 1,382 2 1,213 16 Customer Deposits 841 848 (1) 782 7 Of which CASA balances 392 369 6 360 9 Total Liabilities 1,257 1,244 1 1,082 16 Total Equity 147 138 6 131 12 Asset base by geography UAE AED 985bn 70% of assets Strong liquidity profile Dec’25 LCR 154% vs. 100% regulatory requirement +82bn ↑ 15% yoy International AED 419bn 30% of assets 1. Lending to banks that includes lending that is short term in nature focused on supporting clients with their trade-related needs. 1
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3,924 3,275 FY'24 FY'25 Sustained improvement in asset quality 16 | Q4/FY’25 Earnings Presentation Impairment charges, net (AED mn) & CoR1 (bps) NPLs2 and ECLs3 (%) 1 Annualised . 2 NPLs = Stage 3 exposure + adjusted POCI (Purchase or originally impaired credit) of AED 3,569mn as of Dec’25 considered as par to NPLs, net of IIS. 3 ECL = ECL on loans, advances & Islamic financing + ECL on unfunded exposures + IFRS9 impairment reserves. Note: Gross loans and advances and NPLs are net of interest in suspense; see Note 47 ‘Credit risk’ in FY’25 financials for more details on IFRS9 exposures and ECL. 1,095 724 752 850 949 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 18.5 18.3 16.5 15.5 13.8 17.7 18.0 16.4 16.5 14.9 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 NPLs (AED bn) Provisions (AED bn) 84 51 51 63 61 CoR (L&A) (bps) qoq ↑12%, yoy ↓13% 96 98 100 106 108 3.4 3.3 2.8 2.6 2.2 Provision Coverage (%) NPL Ratio (%) 75 57 yoy ↓17%
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13.7% 13.5% 13.4% 13.7% 13.3% 15.4% 15.1% 14.9% 15.2% 15.2% 17.5% 17.2% 16.9% 16.8% 16.9% Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 13.7% 13.3% 1.2% CET1 Dec'24 FY'25 profits Change in RWA Other movements CET1 Dec'25 +330bps (195)bps (54)bps CET1 Ratio progression RWA Movements (AED bn) Dec’24 Movement (AED bn) Dec’25 Credit RWA 557 +83 640 Market RWA 36 +2 38 Operational RWA 47 +11 57 Total RWA 640 +95 735 CET1, Tier 1 and CAR trends (%) CET1 Tier 1 CAR 17 | Q4/FY’25 Earnings Presentation Proposed Cash DPS: 80 fils AED 8.84bn 14.5% Healthy capital generation enabling efficient allocation Note: FAB’s minimum mandated CET1, Tier 1 and CAR requirements are 11.6%, 13.1% & 15.1%, respectively at December-2025. The minimum CET1 requirement is 12.0% from the 1st of January 2026, reflecting an increase in the Countercyclical buffer to 0.50% from 0.15%. CET1 pre-dividend ratio was 14.5%, and benefitted from strong organic capital generation led by record FY’25 profits, and well managed RWAs. Tier 1 and CAR trends include a 50bps uplift in Q4’25 from the issuance of the Additional Tier 1 instrument in November 2025.
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HEADLINE HEADLINE Outlook
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19 | Q4/FY’25 Earnings Presentation 2026 macro-outlook Oil price (average) c. USD 60/b UAE real GDP growth c. 5.6% (2025e: 5.2%) Interest rates Up to 50bps Fed rate cuts
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20 | Q4/FY’25 Earnings Presentation 2026 financial guidance FY’25 actuals 2026 guidance Scale Loan growth +17% Low- to mid- teens Asset Quality Cost of Risk 57bps < 70bps Provision Coverage Ratio 108% > 90% Profitability & Capital RoTE 19.2% > 16% CET1 (pre-dividend) 14.5% > 13.5%
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Wrap-up 21 | Q4/FY’25 Earnings Presentation 1. Proposed dividend subject to shareholders’ approval at the upcoming Annual General Meeting on March 11, 2026. • FY’25 Net Profit at AED 21.11bn (+24% yoy), Revenue at AED 36.68bn (+16% yoy), reflecting multiple years of consistent progress in building scale, resilience,and long-termvalue. • Operating performance driven by strong business momentum, resilient margins, diversified income streams, cost discipline, and sustained improvementin asset quality. • Exceeded all elements of FY’25 financial guidance,delivering robust returns at scale with 19.2% RoTE firmly above MT guidance. • FY’25 proposed dividend1 represents the highest cash distribution in the Group’s history, reinforcing FAB’s commitment to delivering sustainable shareholder returns. • Strong balance sheet fundamentals provide solid foundation for sustained growth and value creation.
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HEADLINE HEADLINE Appendix – Q4/FY’25 results
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Segmental overview 23 | Q4/FY’25 Earnings Presentation P&L Summary (AED mn) FY'25 FY’24 yoy % Net interest Income 5,705 5,628 1 Non-interest Income 6,080 4,518 35 Operating Income 11,785 10,146 16 Operating expenses (1,540) (1,423) 8 Net impairment charge (121) 7 na Profit Before Tax 10,124 8,730 16 Personal, Business, Wealth & Privileged Client Banking Group (PBW&PCBG) Retail AUMs +28% yoy Wholesale Banking (WB)Investment Banking & Markets (IB&M) Loans & Deposits (AED bn) Dec'25 Dec’24 yoy % Loans and Advances (net) 177 138 29 Customer Deposits 171 197 (13) P&L Summary (AED mn) FY'25 FY’24 yoy % Net interest Income 3,997 4,002 (0) Non-interest Income 2,401 1,760 36 Operating Income 6,398 5,762 11 Operating expenses (1,191) (1,135) 5 Net impairment charge (402) (535) (25) Profit Before Tax 4,805 4,092 17 Loans & Deposits (AED bn) Dec'25 Dec’24 yoy % Loans and Advances (net) 168 145 16 Customer Deposits 243 220 10 P&L Summary (AED mn) FY'25 FY’24 yoy % Net interest Income 9,071 8,836 3 Non-interest Income 3,583 2,687 33 Operating Income 12,654 11,523 10 Operating expenses (4,119) (3,814) 8 Net impairment charge (1,055) (1,360) (22) Profit Before Tax 7,480 6,349 18 Loans & Deposits (AED bn) Dec'25 Dec’24 yoy % Loans and Advances (net) 237 214 11 Customer Deposits 311 250 24
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FY’25 highlights – Group financials (USD) 24 | Q4/FY’25 Earnings Presentation Income Statement - Summary (USD mn) Q4’25 Q3’25 qoq % Q4’24 yoy % FY’25 FY’24 yoy % Net interest Income 1,372 1,414 (3) 1,344 2 5,533 5,340 4 Non-interest Income 1,085 1,130 (4) 753 44 4,452 3,271 36 Operating Income 2,457 2,544 (3) 2,097 17 9,985 8,610 16 Operating expenses (579) (565) 2 (536) 8 (2,232) (2,120) 5 Impairment charges, net (258) (231) 12 (298) (13) (892) (1,068) (17) Profit Before Tax 1,620 1,747 (7) 1,263 28 6,861 5,422 27 Taxes and NCI (233) (280) (17) (122) 91 (1,113) (779) 43 Net Profit 1,386 1,467 (5) 1,140 22 5,747 4,643 24 Basic Earnings Per Share(USD) 0.13 0.13 - 0.10 28 0.50 0.40 24 Balance Sheet - Summary (USD bn) Dec’25 Sep’25 qoq % Dec’24 yoy % Total Assets 382 376 2 330 16 Loans, Advances and Islamic Financing 168 162 3 144 17 Investments 73 74 (1) 68 8 Customer Deposits 229 231 (1) 213 7 Of which CASA balances 107 101 6 98 9 Equity (incl Tier 1 capital notes) 40 38 6 36 12 Tangible Equity 31 29 5 27 13 Risk Weighted Assets 200 202 (1) 174 15 Key Ratios1 (%) Q4’25 Q3’25 qoq (bps) Q4’24 yoy (bps) FY’25 FY’24 yoy (bps) Net Interest Margin 1.75 1.82 (7) 1.93 (18) 1.84 1.93 (9) Cost-Income Ratio 23.6 22.2 136 25.6 (202) 22.4 24.6 (224) Cost of Risk (bps) 61 63 (2) 84 (24) 57 75 (18) Non-performing Loans Ratio 2.2 2.6 (35) 3.4 (121) 2.2 3.4 (121) Provision Coverage Ratio 108 106 176 96 large 108 96 large Liquidity Coverage Ratio (LCR) 154 158 (463) 142 large 154 142 large Return on Tangible Equity (RoTE) 17.7 19.7 (204) 16.1 158 19.2 16.8 240 Return on Risk-weighted Assets (RoRWA) 2.7 2.9 (19) 2.6 16 3.1 2.8 29 CET1 Ratio 13.3 13.7 (42) 13.7 (40) 13.3 13.7 (40) Capital Adequacy Ratio 16.9 16.8 13 17.5 (56) 16.9 17.5 (56) 1 All ratios are annualised , where applicable.
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Agriculture 1% Energy 8% Manufacturing 5% Construction 1% Real Estate 16% Trading 4% Transport and communication 7% Banks 4% Other financial institutions 15% Services 8%Government 16% Personal - Loans & Credit Cards 8% Personal - Retail Mortgage 7% AED 633bn Dec’25 13% 16% 15% 13% 53% 53% 15% 15% 3% 3% Dec'24 Dec'25 Banks Personal/retail sector Corporate / private sector Public Sector Government sector 551 633 A well-diversified, high-quality loan book Gross loans trend (AED bn) Gross loans by sector (%) Net loans by geographies (%) 551 571 588 614 42.6 42.6 45.8 49.4 53.8 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Gross Islamic financing qoq ↑3%, yoy ↑15% Gross loans by counterparty (AED bn) Movement in net loans by business (AED bn) 529 616+39 +23 +23 +1 Dec'24 IB&M WB PBW&PCBG HO Dec'25 +87bn ↑17% yoy 1 Real Estate by geography: Abu Dhabi 44%, Dubai 20%, Other UAE 4%, UK 19%, Other Intl 13%. 1 25 | Q4/FY’25 Earnings Presentation UAE 77% GCC 7% MENA (ex-GCC) 5% Asia 4% Europe 6% Americas 1% 616 (AED bn) Dec’25633
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Strong and diversified liquidity profile 26 | Q4/FY’25 Earnings Presentation Customer deposits trend (AED bn) Customer deposits by account type (%) Customer deposits by geography (%) Customer deposits by counterparty (%) 46% 45% 49% 44% 47% 782 839 813 848 841 360 376 401 369 392 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 49% 49% 41% 41% 5% 6%4% 4%0.5% 0.5% Dec'24 Dec'25 Margin Accounts Certificates of deposits Saving Accounts Current Accounts Notice and time deposits 782 841 22% 17% 16% 14% 41% 48% 16% 17% 4% 4% Dec'24 Dec'25 Certificates of deposits Personal/retail sector Corporate / private sector Public Sector Government sector 782 841 UAE 75% GCC 2% MENA (ex-GCC) 3% Asia 4% Europe 11% Americas 6% 841 (AED bn) Dec’25 CASA qoq ↓1%, yoy ↑7%
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Sovereign GREs Covered Bonds (Banks & FIs) Banks Corporate/ Pvt Sector Supranational Europe GCC MENA (ex-GCC) USA Others incl A&NZ Asia UAE High-quality and diversified investment portfolio 27 | Q4/FY’25 Earnings Presentation Investments by type Investments by geography Investments by ratings Investments by counterparty FVTPL – Fair value through profit or loss (previously HFT), Amortised cost – previously HTM, FVOCI – Fair value through other comprehensive income (previously AFS). Sovereign bonds include sovereign guaranteed bonds issued by GREs, banks & Fis. Note: All totals are Gross investments before ECL (AED 2mn as of Dec’25). FVTPL - Debt FVTPL - Equity & Funds Amortised Cost (Debt Inv) FVOCI - Equity FVOCI - Debt Dec’25 Dec’24 24% 20% 3% 2% 2% 2% 4% 4% 66% 71% Dec’24 AED 248bn Dec’25 AED 269bn Dec’25 Dec’24 18% 19% 9% 9% 15% 12% 20% 20% 2% 1% 14% 15% 21% 24% Dec’24 AED 248bn Dec’25 AED 269bn Dec’25 Dec’24 16% 11% 38% 41% 14% 20% 3% 5% 19% 16% 1% 1% 8% 7% Dec’25 Dec’24 70% 66% 7% 8% 1% 1% 5% 10% 17% 15% 0% 0% AAA AA A BBB BB & below Unrated - Debt Equity & Funds • 69% rated A and above • 72% investment grade and above • 96% of BB & below are Sovereign & GREs Dec’24 AED 248bn Dec’25 AED 269bn Dec’24 AED 248bn Dec’25 AED 269bn
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