Emirates NBD's Financial Performance: A Detailed Analysis of H1 2025 Results Against Historical Data
Emirates NBD continues its growth trajectory with a 12% increase in income for the first half of 2025. This article delves into the latest financial results and compares them with historical performance.

Summary
Emirates NBD has shown robust growth in the first half of 2025, with a 12% increase in income driven by strong loan and deposit growth. The company's strategic focus on regional expansion and innovative products continues to yield positive results.
Financial Performance Overview
Emirates NBD has reported a 12% surge in income to AED 23.9 billion for the first half of 2025. This growth is attributed to strong loan growth, regional expansion, and innovative product offerings.
Key Performance Indicators
KPI | H1 2025 | H1 2024 | Change (%) |
---|---|---|---|
Income | AED 23.9 billion | AED 21.4 billion | 12% |
Operating Profit | 9% higher yoy | 12% higher yoy | -3% |
Net Profit | AED 12.5 billion | AED 13.8 billion | -9% |
Loan Growth | 8% (AED 41 billion) | 6% (AED 30 billion) | 33% |
Deposit Growth | 10% (AED 70 billion) | 7% (AED 50 billion) | 43% |
NPL Ratio | 2.8% | 4.2% | -33% |
CET-1 Ratio | 14.7% | 14.7% | 0% |
Analysis and Conclusion
The first half of 2025 has been a period of solid growth for Emirates NBD. The 12% increase in income highlights the bank's ability to capitalize on strong regional demand and innovative product offerings. Despite a slight decrease in net profit compared to the previous year, the bank's strategic initiatives in digital and regional expansion have bolstered its financial position.
The improvement in the Non-Performing Loan (NPL) ratio to 2.8% from 4.2% demonstrates effective credit risk management. The stable CET-1 ratio of 14.7% reflects a solid capital base, providing a cushion against potential economic uncertainties.
Overall, Emirates NBD's performance in H1 2025 indicates a well-positioned bank with sustainable growth prospects, driven by a strategic focus on regional expansion and innovation.