First Abu Dhabi Bank posts AED 21.1 bn in net income

First Abu Dhabi Bank’s net income grew 24% y-o-y to AED 21.1 bn in 2025, as operating income climbed 16% y-o-y to AED 36.7 bn, driven by higher volumes and an increase in non-interest income, the lender said in a management discussions and analysis report (pdf). Net interest income increased by 4% y-o-y to AED 20.3 bn, while non-interest income surged 36% y-o-y to AED 16.4 bn, according to its financials (pdf).

The breakdown: Revenues from the personal, business, wealth, and privileged client banking group rose 10% y-o-y to AED 12.7 bn on the back of higher client activity. A 16% top line growth from its investment banking and markets segment to AED 11.8 bn was attributed to a 29% rise in lending. Its assets under management reached AED 1.4 tn, with AED 985 bn of the total coming from domestic deposits.

The board recommended an AED 8.8 bn payout for the year, equal to 80 fils per share and 43% of net income attributable to shareholders. The dividend decision marks its highest payout yet.

Ajman Bank earnings lift on fees, financing momentum

Ajman Bank reported a 25% y-o-y increase in net income after tax to AED 500 mn in 2025, according to its earnings release (pdf). Total revenue rose 10% y-o-y to AED 1.7 bn over the period on the back of a more diversified income stream.

Behind the numbers: Net revenue climbed 22% to AED 899 mn, supported by a 37% jump in non-funded income to AED 262 mn, which accounted for 29% of total revenue. The bank cited stronger financing activity, improved operating leverage, disciplined cost control, and continued digital transformation as key drivers.

NBF books record AED 1.2 bn net income

National Bank of Fujairah (NBF) reported a 41.8% y-o-y increase in net income after tax to AED 1.2 bn in FY 2025, marking its third consecutive year of record earnings, according to its financials (pdf) and earnings release. Operating income rose 9.3% y-o-y to AED 2.7 bn over the period.

Behind the numbers:The bank pointed to disciplined balance-sheet growth and lower impairment provisions, alongside stronger fee and treasury income. Net fees, commissions, and other income rose 18.8% y-o-y, while foreign exchange and derivatives income climbed 19.5%, helping support earnings despite a more volatile operating environment.

Dividends: The board proposed an allcash dividend equal to 42.8% of net income after tax.

Tags: