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First Abu Dhabi Bank (FAB)

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Overview

First Abu Dhabi Bank (FAB) is the UAE's largest bank + operating in 20+ countries serving millions of customers [1, 2, ae-cro]. 2025 baseline: Forbes Middle East "30 Most Valuable Banks 2025" #3 with market value over US$43 billion.

FAB Mobile App [3]: Primary digital-banking channel for FAB customers; handles virtually all everyday banking needs without branch visits; 24/7 mobile banking; access to accounts + cards + payments + loans + investments.

History

April 1, 2017 — First Abu Dhabi Bank (FAB) formed via merger of National Bank of Abu Dhabi (NBAD) + First Gulf Bank (FGB) — distinctive UAE mega-bank consolidation creating UAE's largest bank.

2017-2025 — Mass UAE + multi-country expansion [1]: UAE primary + Saudi Arabia + Egypt + Kuwait + Oman + Bahrain + UK + France + Switzerland + US + Singapore + Hong Kong + India + Korea (14+ countries).

2025 — Forbes Middle East "30 Most Valuable Banks 2025" #3 with market value over US$43 billion [2].

Ownership & operator

Operating entity: First Abu Dhabi Bank PJSC (ADX: FAB) — formed Apr 1, 2017 via NBAD + FGB merger.

Major shareholders: Mubadala Investment Company (Abu Dhabi sovereign wealth fund) + Abu Dhabi government entities + ADX public float.

Regulators: CBUAE (Central Bank of the UAE).

Technical integration

Layer Description
Channels FAB Mobile App (iOS + Android) + FAB cards + FAB branch network
Identifiers Phone + email + card number + Emirates ID
AE rail aani (CBUAE national instant payment + IPP)
License Bank (FAB full UAE banking license; UAE's largest bank by assets)
Sub-products FAB Account + FAB Cards + FAB Credit + FAB Investments + FAB Insurance + FAB for Business + FAB Capital + FAB Wealth
Multi-country presence: UAE + SA + EG + KW + OM + BH + UK + FR + CH + US + SG + HK + IN + KR (14+ countries)

Users & growth

2025 baseline [1, 2]:

  • UAE's largest bank by assets (post-Apr 1, 2017 NBAD + FGB merger)
  • Forbes Middle East "30 Most Valuable Banks 2025" #3 — market value over US$43 billion
  • 20+ countries of operation; millions of customers
  • Specific 2025 FAB Mobile user numbers: not publicly disclosed in current sources

Use cases

UAE + multi-country retail + corporate + investment banking via FAB Mobile + branches; AANI national instant payment + IPP; FAB Capital investment + FAB Wealth + FAB for Business + multi-country international presence (14+ countries).

Implementations & partners

Operator: First Abu Dhabi Bank PJSC (ADX: FAB; post-Apr 1, 2017 NBAD + FGB merger).

Major shareholders: Mubadala Investment Company (Abu Dhabi sovereign wealth fund) + Abu Dhabi government entities + ADX public float.

Major UAE banking competitors:

  • [[emirates-nbd]] (Emirates NBD; Dubai's biggest bank by assets; ENBD X mobile app + Liv X digital bank; 9M+ active customers in MENAT)
  • [[commercial-bank-of-dubai]] (Commercial Bank of Dubai; CBD digital banking 120+ services)
  • [[abu-dhabi-islamic-bank]] (Abu Dhabi Islamic Bank; ADX: ADIB; UAE Islamic banking)
  • [[mashreq-neo]] (Mashreq Bank UAE digital banking)
  • Abu Dhabi Commercial Bank (ADCB) + Dubai Islamic Bank (DIB) + Emirates Islamic + RAKBANK (UAE banking competitors)
  • [[wio-bank]] (Batch 27 covered; UAE Abu Dhabi-anchored digital bank; ADQ + e& + Alpha Dhabi + FAB)

Regulator: CBUAE.

Fun facts

  • UAE's largest bank by assets (post-Apr 1, 2017 NBAD + FGB merger).
  • Forbes Middle East "30 Most Valuable Banks 2025" #3 with market value over US$43 billion.
  • 20+ countries of operation; millions of customers — distinctive UAE mega-bank multi-country presence.
  • Apr 1, 2017 NBAD + FGB merger formed FAB — UAE mega-bank consolidation.
  • Mubadala Investment Company (Abu Dhabi sovereign wealth fund) major shareholder.
  • Wio Bank co-investor — UAE digital banking ecosystem participation.

Comparison

Feature FAB Mobile [[emirates-nbd]] (Dubai's biggest bank rival) [[commercial-bank-of-dubai]] (CBD UAE digital banking rival) [[abu-dhabi-islamic-bank]] (UAE Islamic banking comparable) [[wio-bank]] (Batch 27; UAE Abu Dhabi-anchored digital bank co-investor)
Operator First Abu Dhabi Bank PJSC (ADX: FAB; Mubadala + Abu Dhabi government + ADX public float; post-Apr 1 2017 NBAD + FGB merger) Emirates NBD (DFM: EMIRATESNBD; Dubai government-owned) Commercial Bank of Dubai PJSC (DFM: CBD) Abu Dhabi Islamic Bank PJSC (ADX: ADIB) Wio Bank (UAE; ADQ + e& + Alpha Dhabi + FAB co-investors)
Type UAE's largest bank by assets + multi-country bank (14+ countries) + FAB Mobile Dubai's biggest bank by assets + MENAT 9M+ customers + ENBD X + Liv X digital bank UAE digital banking 120+ services UAE Islamic banking + ADIB Direct corporate + Nov 2025 Smart Sukuk Platform UAE Abu Dhabi-anchored digital bank
Country UAE + 13+ other countries UAE + multi-MENAT UAE UAE + EG + UK + IQ + SA UAE
Distinctive UAE's largest bank by assets; Apr 1 2017 NBAD + FGB merger formed FAB; Forbes ME "30 Most Valuable Banks 2025" #3 with US$43B+ market value; 20+ countries of operation; Mubadala parent Dubai government-owned; ENBD X primary mobile-banking; Liv X digital-bank crypto trading Mar 2025 UAE 120+ services app; instant transfers to BD + IN + PK + PH UAE Islamic banking; Nov 2025 ADIB Smart Sukuk Platform UAE Abu Dhabi-anchored; ADQ + e& + Alpha Dhabi + FAB co-investors

Status

Active, UAE's largest bank by assets + Forbes ME "30 Most Valuable Banks 2025" #3 [1, 2]:

  • First Abu Dhabi Bank PJSC (ADX: FAB) since April 1, 2017 (NBAD + FGB merger).
  • UAE's largest bank by assets.
  • 20+ countries of operation.
  • Market value over US$43 billion.
  • Mubadala Investment Company (Abu Dhabi sovereign wealth fund) major shareholder.
  • CBUAE regulated.

Sources

Source

Biography extracted from first-abu-dhabi-bank.md. See matrix.md for standards-support matrix if present.

source · docs/wallets/first-abu-dhabi-bank/index.md