Press release regarding financial results for the Q2 of 2026

Emirates NBD reported a record pre-tax profit of AED 16.2 billion for the first half of 2026, a 5% increase year-on-year, while net profit after tax rose 3% to AED 12.9 billion. The performance was underpinned by a 16% surge in total income to AED 27.9 billion, fueled by high customer activity and a 25% growth in non-funded income.
The Group successfully completed the acquisition of RBL Bank, a strategic milestone that added AED 74 billion in assets and AED 44 billion in gross loans to the balance sheet. This consolidation helped drive total assets past the AED 1.3 trillion mark and contributed to a 17% year-to-date increase in gross lending.
Asset quality and liquidity remained robust, evidenced by an improved non-performing loan (NPL) ratio of 2.1% and a healthy 13% growth in deposits to AED 892 billion. Operating profit before impairment rose 17% to AED 19.5 billion, reflecting efficient cost management with a cost-to-income ratio of 29.9%.
The bank strengthened its capital and sustainability profile through landmark issuances, including a USD 750 million AT1 capital note and a record USD 1 billion green-blue bond. These initiatives, combined with a Common Equity Tier 1