Today's Edition
A. SREENIVASA REDDY (ABU DHABI)
Emirates NBD delivered a net profit of Dh24 billion in 2025, up 4% year on year, supported by strong balance sheet growth and resilient operating performance, even as global interest rates eased.
The bank’s total income rose 12% year on year to Dh49.3 billion, while profit before tax climbed to a record Dh29.8 billion, marking a 10% increase compared with the previous year.
Operating profit rose 13% to Dh34.3 billion, reflecting robust growth in both interest income and non-funded income streams, according to the bank’s FY25 results announcement.
Total assets crossed the Dh1 trillion milestone during the year, underscoring continued balance sheet expansion. Gross lending reported a record increase of Dh129 billion, representing 24% growth in FY25, driven by strong demand across the group’s domestic and international markets.
Deposits also rose sharply, increasing by Dh119 billion, including a Dh69 billion rise in low-cost current and savings account (CASA) balances.
Asset quality remained healthy, with impairment allowances of Dh1.5 billion amid a buoyant economic environment. The impaired loan ratio improved to 2.4% by the end of the year, while the bank maintained a solid capital position with a common equity tier-1 ratio of 14.4%.
Emirates Islamic continued its strong growth trajectory, delivering a record profit before tax of Dh3.9 billion in 2025, reinforcing its position as one of the region’s leading Islamic finance institutions. The group’s Saudi Arabia operations also outperformed, with lending growth of 48% during the year.
Reflecting the strong performance, the board has proposed an ordinary dividend of 100 fils per share.
Commenting on the results, His Highness Sheikh Ahmed bin Saeed Al Maktoum, Chairman of Emirates NBD, said the group delivered a “landmark performance” in 2025, highlighting the record profit before tax and the expansion of total assets beyond Dh1 trillion. He added that the proposed dividend reflected the group’s strong financial position and performance.
Hesham Abdulla Al Qassim, Vice Chairman and Managing Director, said the 12% rise in total income to a record Dh49.3 billion demonstrated the strength of the group’s business model and the benefits of continued investment in its domestic and regional footprint, digital capabilities and generative AI initiatives.
Group Chief Executive Officer Shayne Nelson said the bank delivered another year of strong performance driven by volume growth across all business segments. He noted that investments in technology and digital platforms continued to support growth, with assets under management and administration across the group exceeding $100 billion in 2025.
