Emirates NBD delivered its strongest annual performance on record in 2025, reporting a profit before tax of Dh29.8 billion, up 10 per cent year-on-year, as solid lending growth, rising deposits, and higher fee income helped offset the impact of softer global interest rates.
The bank said loan growth remained robust across key segments, supported by strong demand from corporate, retail, and government-related entities. Deposit inflows also continued to accelerate, reflecting customer confidence and liquidity strength across the UAE banking sector.
While global interest rates eased during the year, putting pressure on net interest margins, Emirates NBD benefited from diversified income streams, including higher fees from transaction banking, wealth management, and digital services. These non-interest revenues played a key role in sustaining profitability despite a more challenging rate environment.
Asset quality remained resilient, with stable credit metrics and prudent provisioning. The bank said it continued to focus on risk management while expanding its balance sheet in line with economic growth in the UAE and key international markets.
Emirates NBD also highlighted continued investment in digital transformation, noting increased adoption of digital channels by customers and further enhancements to its mobile and online banking platforms. The bank said technology-driven efficiencies helped control costs and improve customer experience.
Capital and liquidity positions remained strong, providing flexibility to support future growth and shareholder returns. Management said the bank is well-positioned to navigate changing global conditions while capitalising on opportunities in trade, investment, and regional expansion.
The record performance comes as the UAE banking sector benefits from economic momentum, rising population, and increased business activity. Analysts say Emirates NBD’s scale, diversified operations, and strong funding base have allowed it to outperform peers amid shifting global financial conditions.
Looking ahead, the bank said it remains focused on sustainable growth, innovation and disciplined risk management, as it seeks to build on its record results and maintain its leadership position in the region.
