The Emirates NBD’s income surges to 12% to AED 23.9 billion on the strong loan growth, with a regional expansion and an innovative product offering.
Then lending increased by AED 41 billion (8%) in the first half of 2025, it is fueled by a very strong demand both in UAE and across its growth in international network.
Deposits have grew by AED70 billion (10%) in first half of the 2025 propelled by a record AED 48 billion increase in the low-cost Current and Savings Account balances.
The Emirates Islamic delivers a record AED 1.9 billion profit in the first half of the 2025, highlight it’s position as a leading Islamic bank in UAE.
The region’s growing affluent population that propelled Assets Under Management to the USD 50 billion, and confirming Emirates NBD’s successful focus on Wealth Management and with new products.
Key Highlights – First Half 2025
1. Operating profit 9% higher yoy reflecting strong loan & deposit growth momentum and regional expansion.
- Income up 12% yoy to AED 23.9 billion on strong volume growth and continued momentum in innovative product offerings.
- 8% loan growth in H1-25 of AED 41 billion, with a nearly half of the increase coming from international operations.
- Deposits grew AED 70 billion in H1-25, including a record AED 48 billion increase in Current and Saving Accounts, reinforcing deposits mix as a key strength of the Group.
- Impairment credit of AED 0.3 billion on impressive recoveries as clients benefit from a buoyant regional economy with impaired loan ratio improving to 2.8%.
- Emirates Islamic’s continued strong growth momentum reporting a profit of AED 1.9 billion in H1-25.
2. Emirates NBD’s investment in customer focused services & propelling business growth
- 35% market share of UAE Credit card spend; over AED 100 billion credit and debit card spend in H1-25.
- ‘SHARE’ credit card, cobranded with Majid Al Futtaim Group, is Group’s fastest ever card to reach 10,000 in issue.
- Emirates NBD one of the region’s top banks for Customer Experience along with Net Promoter Score of 50.
- KSA network expansion driving an impressive 27% loan growth in H1-25.
- New Structure Credit, Commodity an Investment products introduced, driving a substantial increase in income from both local and international clients.
