Skip to content

Business Model

FAB is the UAE’s leading bank, and one of the world’s largest and safest financial institutions. Our robust foundation with a strong balance sheet and solid fundamentals enables us to serve our customers, safeguard our employees and support our communities, while delivering superior and sustainable returns for our shareholders.

During the year 2021, we reorganised our business structure to create differentiated offerings and a distinctive experience for our customers. Our new structure, comprising four distinct business lines, enables stronger connectivity to our clients and a deeper product and segment specialisation.

Our Strengths and Capabilities

Strong Balance Sheet

Largest bank in the UAE by total assets and market capitalisation with the strongest combined credit ratings of any bank in the MENA region.

Robust Fundamentals

Strong liquidity and funding profile, healthy asset quality, industry-leading operating efficiency and capital strength.

Strong Shareholding

37.9% Abu Dhabi Government ownership through wholly-owned subsidiaries of Mubadala Investment Company (MIC).

Exceptional Talent

Diverse and inclusive talent pool of over 6,600 dedicated full-time employees, united through our strong corporate culture and shared values.

Well Diversified Business Model

Full range of banking services and solutions to over three million* customers across all client segments.

Long-Standing Relationships

House bank for Abu Dhabi Government and Government Related Entities (GREs), with established relationships with the largest Institutional clients in the Middle East region.

Strategic International Network

Facilitate trade and investment flows to and from the UAE through a presence across five continents and 19 markets (including UAE).

ESG Leadership

Leading by example with ESG deeply embedded in our culture, business strategies, governance, and risk management framework.

How We Create Value

A dominant and diversified banking franchise with four business lines:

Investment Banking (IB)

Full range of banking services for institutional clients: Government, GREs, SWFs, financial institutions, large conglomerates.

Corporate and Commercial Banking (CCB)

Extensive client base across the UAE, including large and mid-size corporates and SMEs.

Consumer Banking (CB)

Leading Consumer bank in the UAE with unique client propositions catering to individual client segments across conventional and Islamic banking.

Global Private Banking (GPB)

GPB combines its GCC expertise along with its international presence to provide HNWI and UHNWI access to a wide range of investment products and services.

Our Stakeholder Impact

Our Customers

We put our customers first, placing them at the heart of our operations and maximising our resources to deliver service excellence.

Our Employees

We create an environment where our people can leverage their strengths and excel in their performance.

Our Partners

Our sustainable growth, success and resilience relies on our strong partnerships and external support model.

Our Shareholders

We deliver superior and sustainable returns to our investors.

Our Communities

We build a legacy of positive change in our communities.

Our Key Business Subsidiaries

Annual Report

First Abu Dhabi Bank

First Abu Dhabi Bank P.J.S.C

GET - On the app Store