Emirates NBD Secures AED 36.7B Income Driven by Strong Growth

Emirates NBD has shown impressive financial success in the first nine months of 2025, generating AED 36.7 billion in income as the bank accelerates operations in key markets. The Group's growth has been driven by robust interest income and non-funded revenue, supported by strategic advancements in digital banking, regional expansion, and innovative banking solutions.

Operating profit increased by 10% year-on-year to AED 25.5 billion, bolstered by record loan growth amounting to AED 99 billion, representing a 19% rise in the lending portfolio. Deposits also jumped by AED 94 billion, with low-cost Current and Savings Accounts surging by AED 56 billion. Profit before tax rose 6% to AED 23.4 billion, despite observing lower recoveries during the period.

Emirates Islamic delivered a remarkable profit before tax of AED 3.2 billion, while the Kingdom of Saudi Arabia noted a 38% increase in lending, further contributing to the group's success. The bank's digital wealth platform has successfully grown assets under management to USD 53 billion, reflecting strong interest from both local and international clients.

The bank's expansion efforts also feature a significant entry into India. On October 18, 2025, Emirates NBD signed a Share Subscription Agreement to acquire a 60% stake in RBL Bank for INR 268.5 billion (USD 3 billion). This acquisition is projected to enhance the bank's Indian market presence and will align its existing branches with RBL Bank upon receiving regulatory approvals. The transaction is anticipated to conclude by Q2 2026.

Strategic Growth in Multiple Markets and Products

Emirates NBD leads the UAE credit card market with a commanding 35% share, ranking as the #1 issuer across the MEA region. In KSA, the bank is expanding its branch network with plans for two new branches by the year's end. Its digital services, particularly the ENBD X platform, have attracted over 2.4 million active users, marking a 49% increase since 2023, with AED 5 billion traded on the platform in its inaugural year.

The bank's dedication to sustainable finance and ESG principles is prominent, having completed over USD 8 billion in sustainable transactions during the first nine months. Emirates Islamic launched the world’s inaugural USD 500 million sustainability-linked financing sukuk, underscoring the Group’s leadership in ESG-focused Islamic finance.

Additionally, Emirates NBD is at the forefront of the technological advancements, integrating 155 APIs for smooth customer interactions, enhancing analytics across 50+ applications, and forming a GenAI Executive Council to standardize AI use within the bank.

With a dedicated focus on digital-first banking, regional growth, and sustainable finance, Emirates NBD is establishing itself as a leading entity within the Middle East and beyond. The bank's remarkable surge in income, loans, deposits, and digital engagement showcases its robust resilience and a forward-thinking strategy set to capitalize on emerging markets and technologies.