Krux
March 18, 2026
FAB's Profit Jumped 24% With 1,000 AI Agents
Published: March 18, 2026 at 12:38 AM
Updated: March 18, 2026 at 12:38 AM
100-word summary
First Abu Dhabi Bank deployed Microsoft Copilot to every employee and built a library of 1,000+ AI agents across 30 use cases in 2025. The result: net profit climbed 24% to AED 21.11 billion while the cost-to-income ratio dropped from 24.6% to 22.4%. The bank integrated over 90% of its structured data into a modern platform with an AI layer, managed through a central AI Innovation Hub. Non-interest income jumped 36%, suggesting the AI work went beyond back-office cost cutting. FAB operates across 20+ markets, meaning these gains happened across borders, not just in one geography. If the numbers hold, it's early proof that putting AI agents in everyone's hands...
What happened
First Abu Dhabi Bank deployed Microsoft Copilot to every employee and built a library of 1,000+ AI agents across 30 use cases in 2025. The result: net profit climbed 24% to AED 21.11 billion while the cost-to-income ratio dropped from 24.6% to 22.4%. The bank integrated over 90% of its structured data into a modern platform with an AI layer, managed through a central AI Innovation Hub. Non-interest income jumped 36%, suggesting the AI work went beyond back-office cost cutting. FAB operates across 20+ markets, meaning these gains happened across borders, not just in one geography.
Why it matters
If the numbers hold, it's early proof that putting AI agents in everyone's hands can show up in the bottom line.