Commentary & Deal Flow

Launched: 3yr: AED 1bn @ AED Swap+75bp - Books in excess of AED 1.00bn (ex JLM Interest)

Spread set at: 3yr: AED Swap+75bp

• Issuer: First Abu Dhabi Bank PJSC ("FAB")
• Issuer LEI: 2138002Y3WMK6RZS8H90
• Issuer Ratings: Aa3 / AA- / AA- by Moody's/S&P/Fitch (all with a stable outlook)
• Expected Issue Ratings: Aa3 / AA- / AA- by Moody's/S&P/Fitch
• Format: Reg S, Category 2
• Issue Size: AED 1bn
• Use of Proceeds: An amount at least equal to the net proceeds will be used to fund or refinance Eligible Projects in the eligible categories identified as "Green" in FAB's Sustainable Finance Framework
• Tenor: 3-year
• Pricing Date: 13-Oct-26
• Settlement Date: 15-Oct-26 (T+2)
• Maturity Date: 15-Oct-29
• Benchmark: 3Y AED swap rate
• Final Spread over Benchmark: 75bps
• Coupon: Fixed rate, S/A, 30/360
• Listing: The Abu Dhabi Securities Exchange ("ADX")
• Clearing Systems: Euroclear Digital Financial Market Infrastructure (D-FMI)
• Governing Law: English law
• Denominations: AED 500,000 and integral multiples of AED 5,000 in excess thereof
• Billing & Delivery Bank: Standard Chartered Bank
• Joint Lead Managers and Joint Bookrunners: Emirates NBD Capital, First Abu Dhabi Bank PJSC, HSBC Bank plc, Industrial and Commercial Bank of China (Asia) Limited and Standard Chartered Bank
• ISIN / Common Code: XS2615317398 / 261531739
• Timing: Global books to go subject at 15.45 UAE / 12.45 LDN
• Stabilisation: FCA/ICMA applies