Emirates NBD

Emirates NBD Bank (P.J.S.C)

EMIRATESNBDStocksDubai Financial MarketBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	49.70B	79.09B	51.80B	53.08B	44.47B
Total Assets	1.16T	1.00T	0.86T	0.74T	0.69T
Investment Securities	175.08B	189.02B	163.32B	120.55B	106.66B
Trading Assets	43.94B	22.69B	25.21B	23.46B	13.15B
Gross Loans	665.45B	534.55B	484.08B	458.69B	461.27B
Net Loans	632.85B	501.63B	445.11B	416.60B	422.27B
Allowance for Loan Losses	-24.92B	-27.55B	-35.78B	-39.41B	-37.19B
Liabilities
Total Deposits	834.59B	712.52B	614.89B	535.19B	496.56B
Interest-Bearing Deposits	527.59B	441.36B	366.07B	297.97B	277.98B
Non-Interest-Bearing Deposits	307.00B	271.16B	248.82B	237.22B	218.59B
Total Debt	127.21B	105.54B	98.17B	82.41B	79.92B
Total Liabilities	1.02T	0.87T	0.75T	0.65T	0.60T
Equity & Ownership
Total Equity	144.82B	126.21B	109.97B	93.31B	83.58B
Shares Outstanding	6,316,552,078	6,311,000,000	6,316,552,078	6,316,552,078	6,316,552,078
Cash & Assets
Total Assets	1.16T	1.00T	0.86T	0.74T	0.69T
Cash & Equivalents	49.70B	79.09B	51.80B	53.08B	44.47B
Net Cash (Debt)	-33.57B	-3.74B	-21.16B	-4.86B	-19.30B
Net Cash Per Share	-5.32	-0.59	-3.35	-0.77	-3.06
Other Receivables	108.56B	74.54B	67.86B	44.67B	25.58B
Restricted Cash	107.49B	87.38B	72.32B	51.57B	45.18B
Property, Plant & Equipment	8.74B	7.94B	5.26B	4.11B	3.75B
Goodwill	5.52B	5.52B	5.53B	5.54B	5.56B
Other Intangible Assets	104.00M	111.00M	156.00M	244.00M	424.72M
Investments in Real Estate	347.00M	348.00M	359.00M	454.00M	440.35M
Other Current Assets	16.64B	16.05B	14.91B	13.59B	13.71B
Other Long-Term Assets	6.14B	2.91B	4.10B	2.80B	2.21B
Long-Term Deferred Tax Assets	0.10B	0.42B	0.49B	1.05B	0.93B
Loans & Investments
Gross Loans	665.45B	534.55B	484.08B	458.69B	461.27B
Net Loans	632.85B	501.63B	445.11B	416.60B	422.27B
Allowance for Loan Losses	-24.92B	-27.55B	-35.78B	-39.41B	-37.19B
Investment Securities	175.08B	189.02B	163.32B	120.55B	106.66B
Trading Asset Securities	43.94B	22.69B	25.21B	23.46B	13.15B
Total Investments	219.02B	211.72B	188.53B	144.01B	119.82B
Other Adjustments to Gross Loans	-7.68B	-5.38B	-3.19B	-2.68B	-1.81B
Liabilities & Obligations
Total Liabilities	1.02T	0.87T	0.75T	0.65T	0.60T
Total Liabilities & Equity	1.16T	1.00T	0.86T	0.74T	0.69T
Accounts Payable	10.61B	9.78B	8.01B	5.81B	4.37B
Accrued Expenses	2.41B	2.23B	1.81B	1.57B	1.41B
Accrued Interest Payable	6.84B	8.74B	6.65B	2.98B	1.89B
Accrued Interest Receivable	9.23B	8.95B	6.36B	4.25B	3.11B
Current Income Taxes Payable	4.21B	2.73B	0.49B	0.87B	0.23B
Other Current Liabilities	12.81B	12.78B	11.16B	19.83B	12.85B
Other Long-Term Liabilities	20.96B	16.04B	11.63B	—	6.62B
Debt & Funding
Total Debt	127.21B	105.54B	98.17B	82.41B	79.92B
Current Portion of Long-Term Debt	—	23.68B	19.28B	8.60B	12.64B
Long-Term Debt	108.00B	65.97B	61.51B	53.60B	58.10B
Short-Term Borrowings	19.21B	15.90B	17.39B	20.21B	9.19B
Total Deposits	834.59B	712.52B	614.89B	535.19B	496.56B
Interest Bearing Deposits	527.59B	441.36B	366.07B	297.97B	277.98B
Non-Interest Bearing Deposits	307.00B	271.16B	248.82B	237.22B	218.59B
Equity & Book Value
Shareholders' Equity	144.82B	126.21B	109.97B	93.31B	83.58B
Total Common Equity	144.58B	125.99B	109.80B	93.20B	83.52B
Common Stock	6.32B	6.32B	6.32B	6.32B	6.32B
Additional Paid-In Capital	17.95B	17.95B	17.95B	17.95B	17.95B
Retained Earnings	114.47B	97.53B	83.16B	66.14B	56.88B
Treasury Stock	-46.00M	-46.00M	-46.00M	-46.00M	-46.18M
Comprehensive Income & Other	5.88B	4.24B	2.41B	2.84B	2.42B
Minority Interest	237.00M	224.00M	173.00M	106.00M	59.63M
Book Value Per Share	21.44	18.52	15.94	13.31	11.78
Tangible Book Value	138.96B	120.36B	104.12B	87.42B	77.54B
Tangible Book Value Per Share	20.55	17.63	15.04	12.39	10.83
Filing Date Shares Outstanding	6.32B	6.31B	6.32B	6.32B	6.32B
Total Common Shares Outstanding	6.32B	6.31B	6.32B	6.32B	6.32B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	49.70B	79.09B	51.80B	53.08B	44.47B
Total Assets	1.16T	1.00T	0.86T	0.74T	0.69T
Investment Securities	175.08B	189.02B	163.32B	120.55B	106.66B
Trading Assets	43.94B	22.69B	25.21B	23.46B	13.15B
Gross Loans	665.45B	534.55B	484.08B	458.69B	461.27B
Net Loans	632.85B	501.63B	445.11B	416.60B	422.27B
Allowance for Loan Losses	-24.92B	-27.55B	-35.78B	-39.41B	-37.19B
Liabilities
Total Deposits	834.59B	712.52B	614.89B	535.19B	496.56B
Interest-Bearing Deposits	527.59B	441.36B	366.07B	297.97B	277.98B
Non-Interest-Bearing Deposits	307.00B	271.16B	248.82B	237.22B	218.59B
Total Debt	127.21B	105.54B	98.17B	82.41B	79.92B
Total Liabilities	1.02T	0.87T	0.75T	0.65T	0.60T
Equity & Ownership
Total Equity	144.82B	126.21B	109.97B	93.31B	83.58B
Shares Outstanding	6,316,552,078	6,311,000,000	6,316,552,078	6,316,552,078	6,316,552,078
Cash & Assets
Total Assets	1.16T	1.00T	0.86T	0.74T	0.69T
Cash & Equivalents	49.70B	79.09B	51.80B	53.08B	44.47B
Net Cash (Debt)	-33.57B	-3.74B	-21.16B	-4.86B	-19.30B
Net Cash Per Share	-5.32	-0.59	-3.35	-0.77	-3.06
Other Receivables	108.56B	74.54B	67.86B	44.67B	25.58B
Restricted Cash	107.49B	87.38B	72.32B	51.57B	45.18B
Property, Plant & Equipment	8.74B	7.94B	5.26B	4.11B	3.75B
Goodwill	5.52B	5.52B	5.53B	5.54B	5.56B
Other Intangible Assets	104.00M	111.00M	156.00M	244.00M	424.72M
Investments in Real Estate	347.00M	348.00M	359.00M	454.00M	440.35M
Other Current Assets	16.64B	16.05B	14.91B	13.59B	13.71B
Other Long-Term Assets	6.14B	2.91B	4.10B	2.80B	2.21B
Long-Term Deferred Tax Assets	0.10B	0.42B	0.49B	1.05B	0.93B
Loans & Investments
Gross Loans	665.45B	534.55B	484.08B	458.69B	461.27B
Net Loans	632.85B	501.63B	445.11B	416.60B	422.27B
Allowance for Loan Losses	-24.92B	-27.55B	-35.78B	-39.41B	-37.19B
Investment Securities	175.08B	189.02B	163.32B	120.55B	106.66B
Trading Asset Securities	43.94B	22.69B	25.21B	23.46B	13.15B
Total Investments	219.02B	211.72B	188.53B	144.01B	119.82B
Other Adjustments to Gross Loans	-7.68B	-5.38B	-3.19B	-2.68B	-1.81B
Liabilities & Obligations
Total Liabilities	1.02T	0.87T	0.75T	0.65T	0.60T
Total Liabilities & Equity	1.16T	1.00T	0.86T	0.74T	0.69T
Accounts Payable	10.61B	9.78B	8.01B	5.81B	4.37B
Accrued Expenses	2.41B	2.23B	1.81B	1.57B	1.41B
Accrued Interest Payable	6.84B	8.74B	6.65B	2.98B	1.89B
Accrued Interest Receivable	9.23B	8.95B	6.36B	4.25B	3.11B
Current Income Taxes Payable	4.21B	2.73B	0.49B	0.87B	0.23B
Other Current Liabilities	12.81B	12.78B	11.16B	19.83B	12.85B
Other Long-Term Liabilities	20.96B	16.04B	11.63B	—	6.62B
Debt & Funding
Total Debt	127.21B	105.54B	98.17B	82.41B	79.92B
Current Portion of Long-Term Debt	—	23.68B	19.28B	8.60B	12.64B
Long-Term Debt	108.00B	65.97B	61.51B	53.60B	58.10B
Short-Term Borrowings	19.21B	15.90B	17.39B	20.21B	9.19B
Total Deposits	834.59B	712.52B	614.89B	535.19B	496.56B
Interest Bearing Deposits	527.59B	441.36B	366.07B	297.97B	277.98B
Non-Interest Bearing Deposits	307.00B	271.16B	248.82B	237.22B	218.59B
Equity & Book Value
Shareholders' Equity	144.82B	126.21B	109.97B	93.31B	83.58B
Total Common Equity	144.58B	125.99B	109.80B	93.20B	83.52B
Common Stock	6.32B	6.32B	6.32B	6.32B	6.32B
Additional Paid-In Capital	17.95B	17.95B	17.95B	17.95B	17.95B
Retained Earnings	114.47B	97.53B	83.16B	66.14B	56.88B
Treasury Stock	-46.00M	-46.00M	-46.00M	-46.00M	-46.18M
Comprehensive Income & Other	5.88B	4.24B	2.41B	2.84B	2.42B
Minority Interest	237.00M	224.00M	173.00M	106.00M	59.63M
Book Value Per Share	21.44	18.52	15.94	13.31	11.78
Tangible Book Value	138.96B	120.36B	104.12B	87.42B	77.54B
Tangible Book Value Per Share	20.55	17.63	15.04	12.39	10.83
Filing Date Shares Outstanding	6.32B	6.31B	6.32B	6.32B	6.32B
Total Common Shares Outstanding	6.32B	6.31B	6.32B	6.32B	6.32B