3Q earnings from FAB, CBD, ADIB, and Rak Properties are in

FIRST ABU DHABI BANK-

First Abu Dhabi Bank (FAB) reported a 21% y-o-y rise in net income to AED 5.4 bn in 3Q 2025, driven by a 14% y-o-y increase in operating income to AED 9.3 bn and a 31% uptick in non-interest income to AED 4.3 bn, according to its financials (pdf) and a separate discussion and analysis report (pdf). Net income came in above analysts’ expectations of AED 4.5 bn, Reuters reports, citing data from LSEG.

On a 9M basis, FAB reported a 24% y-o-y rise in its bottom line, which reached AED 16 bn. Operating income increased by 16% y-o-y to AED 27.7 bn, with the results once again buoyed by an uptick in non-interest income, which surged 37% to AED 12.7 bn as the lender looked to diversify its revenue streams, as well as by strong business volumes and margins. Income from fees and commissions rose by 23% y-o-y to AED 5.1 bn.

Segment breakdown: Revenues from its personal, business, wealth, and privileged client banking group segment led with a topline of AED 9.5 bn — up 11% y-o-y — while activity from its investment bank and markets saw the highest yearly growth, at 17%, reaching AED 9.1 bn, supported by a 27% increase in lending. Wholesale banking posted an 11% y-o-y rise in revenue to AED 4.7 bn.

ABU DHABI ISLAMIC BANK-

Abu Dhabi Islamic Bank (ADIB) reported a 14% y-o-y increase in net income to AED 1.8 bn in 3Q 2025, reflecting broad-based growth and effective cost control, according to its financials (pdf) and management discussion and analysis report (pdf). Total operating income for the quarter rose 22% y-o-y to AED 3.2 bn, supported by a 22% rise in funded income to AED 1.9 bn and a 21% jump in non-funded income to AED 1.3 bn.

For 9M 2025, ADIB’s net income after tax rose 15% y-o-y to AED 5.3 bn, while revenues increased 14% to AED 9.1 bn on stronger financing volumes and fee-based income. Funded income grew 13% y-o-y to AED 5.5 bn, as stronger financing volumes helped offset the effect of rate cuts, and non-funded income rose 17% to AED 3.6 bn, as income streams became more diversified and led by a 33% uptick in investment income.

COMMERCIAL BANK OF DUBAI-

Commercial Bank of Dubai (CBD) reported a 13.5% y-o-y increase in net income to AED 884 mn in 3Q 2025, according to its financials (pdf) and a separate management and discussion report (pdf). Total income rose 8.4% y-o-y to AED 1.6 bn, driven by an uptick in fees and commission income as well as net interest income, which climbed 14.5% y-o-y to AED 1 bn.

For the first nine months of 2025, CBD posted a 15.6% y-o-y rise in net income to AED 2.6 bn, with income up 5.7% to AED 4.4 bn. Net interest income increased 8.4% y-o-y to AED 3 bn on the back of strong growth in loans, current accounts, and savings accounts. 9M also saw the lender’s total loans surpassing AED 100 bn for the first time.

RAK PROPERTIES-

RAK Properties reported a 73.7% y-o-y rise in net income to AED 56.2 mn in 3Q 2025, according to its financials (pdf). Revenue grew 39.0% to AED 390.7 mn, supported by strong sales momentum, project handovers, and sustained demand across its residential and hospitality portfolio, as the developer pressed on with its AED 5 bn Mina Island development pipeline, the company said in a directors report (pdf).

For the 9M period, net income jumped 78.6% y-o-y to AED 216.8 mn, while revenue rose 31% to AED 1.2 bn. Sales value more than doubled to AED 2 bn, with 1.2k units sold, up 90% y-o-y, bringing the developer’s sales backlog to AED 2.9 bn.