Emirates NBD Reports Record AED 29.8 Billion Profit for 2025 Amidst Robust Growth
Summary
Emirates NBD achieved a record AED 29.8 billion profit before tax in 2025, marking a 10% increase from the previous year. The company's total income rose by 12%, supported by a strong balance sheet and significant lending growth. Key performance indicators improved across the board, reflecting the bank's strategic investments in digital banking and regional expansion.Emirates NBD's Financial Performance: A Year of Record Growth
Emirates NBD has reported a record profit before tax of AED 29.8 billion for the year 2025, a 10% increase from 2024. This growth was driven by a robust increase in volume across all business segments and product lines, supported by the bank's ongoing investment in digital banking and regional expansion.
Key Performance Indicators
| KPI | 2025 | Change from 2024 |
|---|---|---|
| Profit before Tax | AED 29.8 billion | +10% |
| Total Income | AED 49.3 billion | +12% |
| Net Interest Margin (NIM) | 3.46% | +0.03% |
| Cost to Income Ratio | 30.5% | -0.2% |
| Non-Performing Loan (NPL) Ratio | 2.4% | -0.1% |
| CET-1 Ratio | 14.4% | -0.3% |
The total income for 2025 reached AED 49.3 billion, reflecting a 12% increase due to strong growth in both interest and non-funded income streams. The bank's balance sheet expanded significantly, with total assets surpassing AED 1 trillion, driven by record gross lending growth of AED 129 billion (24%) in 2025.
Comparative Analysis
Compared to previous years, Emirates NBD has consistently improved its financial performance. In 2024, the bank reported a profit before tax of AED 27.1 billion, which was a 15% increase from 2023. The strategic focus on digital banking and regional expansion has been pivotal in sustaining this growth trajectory.
Conclusion
For investors, the key takeaways from Emirates NBD's financial performance are the bank's ability to maintain a strong growth trajectory through strategic investments and a robust balance sheet. The improved KPIs, such as the NIM and cost-to-income ratio, indicate efficient management and a focus on profitability. The continued expansion in digital banking and regional markets positions Emirates NBD well for future growth.
