First Abu Dhabi Bank

First Abu Dhabi Bank

Leading UAE bank offering global services

Overview

FAB is the largest bank in the United Arab Emirates, serving individuals, SMEs, large businesses, and governments. It offers a broad range of services including personal, private, corporate and investment banking, wealth and asset management, trade finance, cash management, real estate finance, and Islamic banking, with access to global capital markets. It earns money from interest and fees across its products, and its online and mobile platforms let customers manage their finances digitally. Its goal is to support diverse clients with comprehensive financial services while expanding its international footprint and promoting ESG-aligned lending and energy-transition initiatives.

About First Abu Dhabi Bank

Simplify's Rating
Why First Abu Dhabi Bank is rated
B
Rated A on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Financial Services

Company Size

N/A

Company Stage

IPO

Headquarters

Abu Dhabi, United Arab Emirates

Founded

2017

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Simplify's Take

What believers are saying

  • H1 2026 profit before tax reached AED 13.2 billion, with RoTE at 18.5%.
  • June 2026 loans grew 7% to AED 661 billion and deposits hit AED 853 billion.
  • August 2026 FAHR integration launched paperless personal loans, accelerating digital lending.

What critics are saying

  • Net impairment charges rose to AED 2.05 billion in H1 2026, pressuring earnings quality.
  • Reuters linked FAB to Market Financial Solutions insolvencies in July 2026.
  • South Africa expansion still needs banking approval, and launch could take one to two years.

What makes First Abu Dhabi Bank unique

  • FAB's AED 1.41 trillion balance sheet and AA- ratings dominate UAE banking.
  • On 2 September 2026, FAB completed Citi-backed Swift Ledger tokenized-deposit transactions.
  • FAB is building a five-continent platform, including South Africa licensing after July 2026 victory.

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Funding

Total Funding

$3.5B

Above

Industry Average

Funded Over

9 Rounds

Post IPO Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Post IPO Debt Funding Comparison
Coming Soon

Benefits

Health Insurance

Paid Vacation

Flexible Work Hours

Remote Work Options

Wellness Program

Mental Health Support

Conference Attendance Budget

Professional Development Budget

Stock Options

Company Equity

401(k) Retirement Plan

401(k) Company Match

Stock Options

Family Planning Benefits

Fertility Treatment Support

Adoption Assistance

Company News

UAE News 24/7
Sep 2nd, 2026
FAB completes live tokenized deposit milestone with Citi through Swift Ledger.

FAB completes live tokenized deposit milestone with Citi through Swift Ledger. Abu Dhabi, 2 September 2026: First Abu Dhabi Bank (FAB), the UAE's global bank and one of the world's largest and safest financial institutions, has successfully completed live USD transactions at scale as part of Swift's Ledger Minimum Viable Product (MVP), using tokenized deposits and Swift smart contract settlements to enable 24/7 cross-border payments. Completed bilaterally with Citi, the transaction validated the end-to-end interaction between existing Swift payment messaging, tokenized deposits and distributed ledger infrastructure. FAB is the first bank in the Middle East and Africa to reach this milestone, marking an important step in the bank's digital assets journey. The Swift Ledger initiative is designed to reduce fragmentation across emerging tokenized money networks by providing a trusted orchestration and interoperability layer. The transaction demonstrates how regulated commercial bank money can support faster, programmable and 24/7 cross-border payments, while FAB's participation builds on its broader tokenized deposit strategy and collaboration with Swift, regulators and industry partners. Tokenized deposits remained on participating banks' balance sheets, while the Swift Ledger coordinated payment commitments and recorded corresponding interbank liabilities without taking custody of funds. Interbank settlement remained separate and was completed through established correspondent banking channels, preserving existing liquidity, risk management and control frameworks. FAB will continue to work with Swift and other participating institutions on subsequent phases of the initiative, including expanded interoperability, 24/7 cross-border settlement capabilities and programmable treasury solutions for institutional and corporate clients. About First Abu Dhabi Bank (FAB) Headquartered in Abu Dhabi with a global footprint beyond 20 markets, FAB is the finance and trade gateway to the Middle East and North Africa region (MENA). With total assets of AED 1.41 trillion (USD 384 billion) as of June-end 2026, FAB is among the world's largest banking groups. The bank provides financial expertise to its wholesale and retail client franchise across three business units, including Investment Banking & Markets, Wholesale Banking, and Personal, Business, Wealth & Privileged Client Banking Group. FAB is listed on the Abu Dhabi Securities Exchange (ADX) and rated Aa3/AA-/AA- by Moody's, S&P, and Fitch, respectively, with a stable outlook. On sustainability, FAB holds an MSCI ESG rating of 'AA', ranks first among MENA banks and is within the top tier of global banks according to LSEG ESG Scores (formerly Refinitiv ESG Scores). FAB is also rated in the best Sustainalytics ESG Risk Rating category among global banks, with a Low ESG Risk. To access its latest disclosures and presentations, please visit www.bankfab.com/en-ae/about-fab/investor-relations For investor-related queries, please contact FAB Investor Relations team on [email protected]

GCC Business News
Aug 24th, 2026
FAB launches paperless personal loan process with FAHR integration.

FAB launches paperless personal loan process with FAHR integration. Mon, 24 Aug, 2026 By Anjali Nair S.H, Sr. Desk Reporter * Follow author on First Abu Dhabi Bank (FAB) has launched its first fully automated and paperless personal loan application journey, supported by an integration with the Federal Authority for Government Human Resources (FAHR). The new digital process is available to eligible customers within FAB's FAHR-integrated employer network. It replaces several manual steps in the traditional loan application process by allowing employment and salary information to be securely validated through FAHR's central HR system. Through the integration, the system can retrieve up-to-date salary and employment data in real time, reducing the need for customers to obtain, print, scan, and submit salary certificates and salary transfer letters. You may like. The new journey simplifies the personal loan application process and reduces administrative requirements for customers and employers. It also supports automated data entry, helping improve the accuracy of information submitted during the application. Eligible customers can complete the application digitally, with verified employment and salary details used to support FAB's credit assessment. The process reduces the need for physical documentation and manual intervention from HR departments. The launch is part of FAB's broader digital lending transformation as the bank moves more financial services towards automated and paperless processes. By integrating verified data directly into the loan application journey, FAB aims to reduce processing friction and provide customers with a faster and more convenient borrowing experience. The initiative also highlights the bank's continued investment in digital banking capabilities and strategic partnerships supporting the UAE's broader digital transformation agenda.

Proximo Infra
Aug 4th, 2026
Gunasekaran joins FAB in US.

Gunasekaran joins FAB in US. Lavanya Gunasekaran has joined First Abu Dhabi Bank as Head of Leveraged and Sponsor Financing, US. The appointment follows 17 years at Standard Chartered, latterly as Executive Director, Leveraged and Structured Solutions in New York. Gunasekaran said the new role will focus on building on First... Exclusive subscriber content... Not yet a subscriber? Join us today to continue accessing content without any restrictions Or to request access to Proximo Intelligence contact us

PR Newswire
Jul 15th, 2026
FinDev Canada commits $58M to Acelen Renewables for sustainable aviation fuel biorefinery in Brazil

FinDev Canada has committed a $58 million loan to Acelen Renewables for construction and operation of a biorefinery in Bahia, Brazil, using Hydrotreated Esters and Fatty Acids (HEFA) technology. The loan forms part of an $854 million construction facility involving development finance institutions and commercial lenders, including IFC, BID Invest, and others. The facility will produce sustainable aviation fuel (SAF) and renewable diesel, capable of reducing aviation emissions by up to 80%. The project aims to position Brazil as a key supplier in the global transition to low-carbon aviation. The development will create over 3,500 temporary construction jobs and support more than 200 permanent operational positions. Acelen Renewable Energy is owned by Mubadala Capital, a global sovereign investor led by the Abu Dhabi government.

Al Kabban & Associates
Jul 15th, 2026
Single post.

Single post. Expanding into a new international market involves far more than obtaining licences, opening offices and hiring staff. Before a business begins trading abroad, one of its most valuable assets - its brand - must first be legally protected. A recent victory by First Abu Dhabi Bank (FAB) in South Africa provides an important reminder that intellectual property rights are often the foundation of successful international expansion. Following a lengthy legal dispute concerning the registration of its trademarks in South Africa, FAB has cleared a significant legal obstacle as it prepares to pursue a banking licence in one of Africa's largest financial markets. While the case centred on trademark law, its implications extend well beyond the banking sector. For businesses looking to expand internationally, the decision reinforces a simple but often overlooked principle: protecting your brand should come before entering a new market. A trademark dispute with strategic importance. The dispute arose after FAB sought to register trademarks associated with its name in South Africa. The registrations were challenged by FirstRand, one of South Africa's largest banking groups, on the basis that the proposed trademarks were too similar to its own established branding. Following years of litigation, South Africa's Supreme Court of Appeal ultimately ruled in FAB's favour, allowing the registrations to proceed. The decision removes an important legal barrier as FAB moves towards applying for regulatory approval to operate within South Africa. However, the judgment also illustrates something more significant than the outcome of a trademark dispute. It demonstrates how intellectual property protection forms part of a broader market entry strategy. Expansion begins long before opening the doors. Businesses often view international expansion as a commercial exercise involving new customers, regulatory approvals and operational planning. In reality, legal preparation frequently begins years earlier. Registering trademarks before entering a market can help businesses: * protect brand identity from infringement; * reduce the risk of costly legal disputes; * prevent competitors from registering similar marks; * strengthen market confidence; and * support future licensing and regulatory applications. Without appropriate protection, businesses may find themselves investing substantial resources into a market only to discover that their branding cannot legally be used. Intellectual property as a commercial asset. A trademark is far more than a logo or company name. It represents reputation, consumer trust and commercial goodwill built over many years. For internationally recognised businesses, the brand itself often becomes one of the company's most valuable assets. Protecting that asset across multiple jurisdictions allows businesses to expand with greater certainty while reducing legal and commercial risks. The FAB decision demonstrates that courts may recognise trademark registration as a legitimate preparatory step for future business expansion, even before trading activities have formally commenced. Lessons for businesses expanding internationally. Whether entering neighbouring GCC markets or expanding into Europe, Africa or Asia, businesses should consider intellectual property protection as part of their earliest planning stages. This includes reviewing existing trademark portfolios, identifying potential conflicts in target jurisdictions and securing registrations before significant investment is made. Early legal planning can help avoid expensive disputes, delays to market entry and potential rebranding exercises after launch. A reminder for UAE businesses looking abroad. As more UAE businesses pursue international growth, protecting intellectual property is becoming increasingly important. Expanding across borders requires more than commercial ambition. It requires a legal strategy that protects the business's identity, supports regulatory compliance and safeguards long-term commercial value. The recent success achieved by First Abu Dhabi Bank serves as a timely reminder that, in international business, protecting the brand is often the first step towards protecting the business itself. Conclusion. The First Abu Dhabi Bank decision is more than a victory in a trademark dispute. It highlights the critical role intellectual property plays in cross-border expansion and demonstrates how early legal planning can shape long-term commercial success. For businesses considering international growth, securing trademark protection before entering a new market may prove to be one of the most valuable investments they make. Al Kabban & Associates. For businesses seeking guidance, Al Kabban & Associates, with over 30 years of experience in UAE law and recognition by Legal 500, stands ready to help corporations build resilience against legal risks while ensuring compliance with local and international standards. For more information or to schedule a consultation, contact Alkabban at +971 4 453 9090 or visit www.alkabban.com. You can also follow Alkabban on social media for more updates on everything law related in the UAE: @Alkabban_Law

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