First Abu Dhabi Bank Reports Record Profits & Biggest-Ever Dividends

Abu Dhabi First Bank shareholders approved a record dividend distribution of AED 8.84 billion for the financial year ending December 31, 2025, during the bank’s annual general meeting held remotely on Thursday. The payout equates to AED 0.80 per share and represents the highest cash dividend in the bank’s history, signaling robust financial performance and confidence in its future outlook.

The approval follows a strong financial year for the bank, with net profits increasing by 24% year-on-year to AED 21.11 billion in 2025. This performance builds on a multi-year growth trajectory, having doubled net profits since 2020, according to statements released during the meeting. The bank’s return on tangible equity reached 19.2% in the fiscal year, exceeding its medium-term guidance.

Dividend Details and Eligibility

The cash dividends will be distributed to shareholders registered as of March 23, 2026 – meaning investors must have purchased shares on or before March 19, 2026, to be eligible. This timeline is standard practice for dividend distributions, allowing for verification of ownership records.

Strategic Momentum and Regional Leadership

The substantial dividend reflects not only strong financial results but also the successful execution of Abu Dhabi First Bank’s strategic initiatives. The bank concluded 2025 having solidified its position as the largest bank in the Middle East and Africa, with total assets reaching AED 1.40 trillion. This growth has been driven by expansion across more than 20 markets internationally, alongside a focus on key sectors within the UAE economy.

Sheikh Tahnoon bin Zayed Al Nahyan, Chairman of Abu Dhabi First Bank, emphasized the bank’s resilience and long-term value creation. He highlighted the strong operational income growth, improved asset quality, and disciplined cost management as key drivers of the bank’s success. The diversification of revenue streams and a competitive cost-to-income ratio have further bolstered the bank’s ability to maintain strong performance across economic cycles.

Financial Performance Breakdown

The AED 21.11 billion in net profits represents a significant increase from the previous year, demonstrating the bank’s ability to capitalize on market opportunities and effectively manage its operations. The 19.2% return on tangible equity is a key metric for investors, indicating the bank’s efficiency in generating profits from shareholder investments. This figure surpasses the bank’s previously stated medium-term targets, signaling a positive trajectory for future performance. Abu Dhabi First Bank’s investor relations page provides further details on the bank’s financial performance.

Impact on Stakeholders

The substantial dividend distribution will directly benefit shareholders, providing a significant return on their investment. Beyond shareholders, the bank’s strong performance and continued growth contribute to the broader UAE economy through job creation, investment in key sectors, and support for small and medium-sized enterprises (SMEs). The bank’s role in financing major projects in renewable energy, infrastructure, and strategic industries further underscores its commitment to sustainable economic development.

CEO Perspective and Future Outlook

Hana Al Rostamani, Group Chief Executive Officer of Abu Dhabi First Bank, noted the accelerated momentum the bank experienced in 2025, both regionally, and internationally. She highlighted the bank’s continued expansion in key economic corridors and the integration of artificial intelligence technologies across its operations to enhance trade and investment opportunities. Al Rostamani emphasized the importance of disciplined execution and tangible progress across all business segments in achieving record financial results and strengthening the bank’s balance sheet.

Governance and Procedural Matters

During the AGM, shareholders approved all items on the agenda, including the board of directors’ report, the external auditor’s report, and the report of the internal Sharia supervision committee for the financial year 2025. The meeting also included approval of the bank’s balance sheet and income statement for 2025, the re-election of board members for a three-year term, and the appointment of auditors for the financial year 2026. Zakat obligations for 2025 were also acknowledged.

Operational Resilience and Regional Stability

Abu Dhabi First Bank addressed shareholders regarding recent regional developments, assuring them that all banking services, digital platforms, and communication channels are operating at full capacity. The bank affirmed its continued efficient operations both within the UAE and internationally, supported by robust business continuity frameworks. Al Etihad News reported on the bank’s assurances regarding operational stability.

Looking Ahead: Key Considerations

The bank’s continued success will depend on its ability to navigate evolving economic conditions, maintain strong risk management practices, and capitalize on emerging opportunities in the regional and global markets. The integration of new technologies, such as artificial intelligence, will be crucial for enhancing efficiency, improving customer experience, and driving innovation. The bank’s commitment to sustainable finance and its role in supporting the UAE’s economic diversification agenda will be key factors in its long-term growth and success. Al Bayan provides additional coverage of the AGM and future outlook.