Commentary & Deal Flow

Reoffer: 3yr: AED Swap+75bp / 99.696 / 5.862%
Benchmark: 3yr: 3Y AED swap rate @ 5.1120%

Tranche 1 (3yr): Peak book in excess of AED 1.00bn (ex JLM Interest)

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
• Benchmark rate: 5.1120%
• Final Spread over Benchmark: 75bps
• Reoffer Yield: 5.862%
• Reoffer Price: 99.696
• Coupon: 5.75%
• Day Count Fraction: 30/360
• Business Days: London and Dubai
• Interest Payment Dates: Semi-annually on 15-Apr and 15-Oct in each year, up to and including the Maturity Date, subject to the (unadjusted) Following Business Day Convention (for payment purposes only). First Periodic Distribution Date is 15-Apr-27
• Listing: The Abu Dhabi Securities Exchange ("ADX")
• Clearing Systems: Euroclear's 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 Bank PJSC, 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: 14.36 LDN, 13-Oct-26
• Stabilisation: FCA/ICMA applies