The Arab Bank for Investment and Foreign Trade (the Bank) has announced its financial results for the year ended December 31, 2025, showcasing robust performance and significant growth across key indicators. This success aligns with ongoing efforts to strengthen its balance sheet, enhance client relationships, and diversify revenue sources.
The Bank reported a pre-tax profit of 336 million dirhams for 2025, marking a 31% increase compared to the previous year. This growth was supported by a rise in business volume and improved risk costs. After-tax profits reached 302 million dirhams, reflecting a 29% increase and underscoring the continued positive momentum in the Bank’s financial performance.
Operating income remained strong at 903 million dirhams, driven by significant growth in loans and credit facilities, alongside improved interest margins. There was also a meaningful increase in trade financing revenues and foreign exchange activities. Furthermore, a notable improvement in asset quality led to a 46% year-on-year reduction in impairment provisions, attributed to enhanced credit portfolio quality.
Throughout 2025, the Bank continued to strengthen its balance sheet, with total assets increasing to 26.7 billion dirhams, representing an 8% growth from the previous year. Loans and credit facilities experienced robust growth of 24%, reaching 16.1 billion dirhams, fueled by increased activity in business sectors and trade finance. In contrast, customer deposits rose to 17.3 billion dirhams, reflecting a 2% increase, which underscores the continued strength of liquidity and customer confidence in the Bank.
The Bank maintained strong capital levels, with a capital adequacy ratio of 19.9%, while the Tier 1 capital ratio stood at 18.8%, well above industry standards. Additionally, the quality of credit assets showed significant improvement, with a coverage ratio rising to 106.2%, and the non-performing loans ratio improved to 8.0%, reflecting effective risk management policies.
Farhat Omar Bin Qadara, Chairman of the Bank, stated: “We take pride in the strong financial performance achieved by the Bank in 2025, which demonstrates the effective execution of our strategy and our ongoing advancement in strengthening the Bank’s position in the banking sector. This performance is supported by the solid economic foundations of the UAE, the ongoing diversification of the national economy, and growth in key sectors such as trade, services, and infrastructure.”
Fouad Mohammed, the Bank’s CEO, remarked: “The Bank achieved outstanding performance in 2025, with a pre-tax profit of 336 million dirhams and total assets reaching 26.7 billion dirhams. This performance reflects the effectiveness of our strategy and our commitment to delivering long-term sustainable value to our shareholders. We continue to strengthen our core operations, enhance our operational efficiency, and invest in digital capabilities that enrich customer experiences and support sustainable growth.”
As it enters 2026, the Bank is buoyed by strong momentum and a positive outlook, building on the achievements from 2025, while focusing on reinforcing business fundamentals, solidifying its market position, developing digital solutions and services, and enhancing strategic partnerships to foster growth.