Emirates NBD, a leading UAE bank, has reported a record profit before tax of AED29.8 billion ($8.1 billion) for 2025, up 10% from a year earlier, driven by strong lending growth and higher fee income.
Total income rose 12% to AED49.3 billion, supported by growth in both interest and non-funded income across all business segments and geographies.
The UAE bank said its continued investment in digital banking, diversified product suite and regional expansion generated robust revenue growth, offsetting the impact of declining global interest rates. Its net profit for the year rose 4% to AED24 billion.
The bank’s balance sheet expanded significantly during the year, with total assets exceeding AED1 trillion for the first time. Gross lending grew by a record AED129 billion or 24%, reflecting strong domestic and international demand, while deposits increased by AED119 billion or 18%. Low-cost current and savings account (CASA) balances rose by AED69 billion.
Emirates NBD said its non-performing loan ratio improved to 2.4%, while its common equity tier 1 (CET-1) capital ratio was 14.4%.
Meanwhile the group’s Sharia-compliant subsidiary Emirates Islamic recorded profit before tax of AED3.9 billion for 2025, marking a 26% increase over the previous year, reflecting robust revenue growth across all business units.
Strong performance in both funded and non-funded income highlights positive market demand and effective diversification ofrevenue streams.
Total income surged by 11% to AED 6 billion as assets grew by a remarkable 31.2% toAED 146 billion in 2025. Further underscoring the strength of the regional economic environment, said the UAE bank.
Emirates NBD's other key unit - Turkey’s DenizBank - saw a recovery in income and profitability amid easing inflation and improved margins. In Saudi Arabia, lending grew 48% as the bank continued to expand its footprint.
Assets under management and administration exceeded $100 billion, driven by growth in digital wealth platforms and higher trading volumes.
The board proposed an ordinary dividend of 100 fils per share, citing the bank’s strong performance and capital position, it added.
