Dubai: Dubai-based bank Emirates NBD reported record annual earnings for 2025 as lending growth and rising deposits supported revenue expansion across its regional operations.
The lender said profit before tax reached AED29.8 billion ($8.1 billion) for the year, marking its highest-ever annual result. Total income rose 12% year-on-year to AED49.3 billion, reflecting growth across interest income and non-funded income streams.
Operating profit increased 13% to AED34.3 billion during the year, supported by strong balance-sheet expansion and continued growth in lending activity. Net profit reached AED24 billion, according to the bank’s financial results announcement.
Emirates NBD said its balance sheet exceeded AED1 trillion in assets for the first time, driven by record lending growth of AED129 billion in 2025. Customer deposits increased by AED119 billion during the year, reflecting strong demand across both retail and corporate banking services.
The bank said low-cost current and savings account balances grew significantly during the year, rising by AED69 billion and supporting overall funding growth.
Emirates NBD operates across several markets in the Middle East, North Africa and Turkey, serving retail, corporate and institutional clients. The group has expanded its digital banking services and wealth management offerings in recent years.
Its Islamic banking subsidiary, Emirates Islamic, also reported strong results, with profit before tax reaching AED3.9 billion in 2025.
The bank said its results reflected strong business volumes across its banking operations and continued growth in lending and deposits.
Following the announcement of the results, Emirates NBD’s board proposed an ordinary dividend of 100 fils per share for the year.
The lender is one of the largest banking groups in the Middle East and is listed on the Dubai Financial Market.