Emirates NBD reported full‑year 2025 results that beat market expectations, posting record profit on the back of strong lending growth and higher income from core operations.
The bank delivered a record profit before tax of around AED 29.8 billion, with net profit coming in above analysts’ consensus for the year.
Total income rose by double digits year‑on‑year, supported by robust net interest income, higher fee and commission income, and healthy growth in loans and deposits.
Strong credit expansion in the UAE and key international markets, such as Saudi Arabia and India, supported higher interest income
Lower‑than‑expected impairment charges and continued cost discipline helped boost bottom‑line profitability beyond what analysts had forecast.
The bank remains well capitalised, giving its board room to recommend a generous cash dividend per share for 2025.
Emirates NBD signalled plans to keep expanding in priority markets, including growing its Saudi footprint and advancing its strategic push in India, while continuing to invest in digital banking and AI‑driven services.
