Financial statements for the year of 2025

Emirates Investment Bank reported a net profit of AED 83.65 million for the full year ended 31 December 2025, a decrease compared to the AED 108.7 million achieved in 2024.
Operating income fell 19% to AED 170.5 million (down from AED 210.5 million in 2024), driven primarily by a decline in net interest and investment income within a falling interest rate environment.
Total client assets grew by 8% to AED 10.99 billion, supported by a 17% increase in fiduciary assets to AED 7.68 billion, which offset a 10% reduction in customer deposits to AED 3.31 billion.
The Bank maintained a robust Capital Adequacy Ratio of 43.1% as it initiated a multi-year strategic transformation to reposition itself as a digital-first private banking institution, with a brand refresh and renewed proposition planned for 2026.