Emirates NBD

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

EMIRATESNBDStocksDubai Financial MarketBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Assets
Cash & Equivalents	49.70B	48.68B	72.31B	62.93B	79.09B
Total Assets	1.16T	1.14T	1.09T	1.03T	1.00T
Investment Securities	175.08B	199.23B	183.79B	192.63B	189.02B
Trading Assets	43.94B	35.08B	28.48B	28.47B	22.69B
Gross Loans	665.45B	635.27B	576.30B	553.38B	534.55B
Net Loans	632.85B	603.65B	545.17B	520.91B	501.63B
Allowance for Loan Losses	-24.92B	-24.72B	-25.04B	-26.64B	-27.55B
Liabilities
Total Deposits	834.59B	760.35B	736.71B	697.60B	712.52B
Interest-Bearing Deposits	527.59B	760.35B	736.71B	697.60B	441.36B
Non-Interest-Bearing Deposits	307.00B	—	—	—	271.16B
Total Debt	127.21B	181.59B	160.36B	153.90B	105.54B
Total Liabilities	1.02T	1.00T	0.95T	0.90T	0.87T
Equity & Ownership
Total Equity	144.82B	140.02B	133.24B	126.83B	126.21B
Shares Outstanding	6,316,552,078	6,316,552,078	6,316,552,078	6,316,552,078	6,311,000,000
Cash & Assets
Total Assets	1.16T	1.14T	1.09T	1.03T	1.00T
Cash & Equivalents	49.70B	48.68B	72.31B	62.93B	79.09B
Net Cash (Debt)	-33.57B	-90.48B	-59.49B	-62.47B	-3.74B
Net Cash Per Share	-5.32	-14.09	-9.25	-10.09	-0.59
Other Receivables	108.56B	105.60B	97.39B	88.66B	74.54B
Restricted Cash	107.49B	102.71B	113.87B	94.43B	87.38B
Property, Plant & Equipment	8.74B	8.57B	8.22B	8.03B	7.94B
Goodwill	5.52B	—	—	—	5.52B
Other Intangible Assets	0.10B	5.62B	5.62B	5.62B	0.11B
Investments in Real Estate	347.00M	340.00M	338.00M	337.00M	348.00M
Other Current Assets	16.64B	15.97B	17.95B	16.42B	16.05B
Other Long-Term Assets	6.14B	3.26B	3.15B	2.66B	2.91B
Long-Term Deferred Tax Assets	0.10B	0.21B	0.55B	0.38B	0.42B
Loans & Investments
Gross Loans	665.45B	635.27B	576.30B	553.38B	534.55B
Net Loans	632.85B	603.65B	545.17B	520.91B	501.63B
Allowance for Loan Losses	-24.92B	-24.72B	-25.04B	-26.64B	-27.55B
Investment Securities	175.08B	199.23B	183.79B	192.63B	189.02B
Trading Asset Securities	43.94B	35.08B	28.48B	28.47B	22.69B
Total Investments	219.02B	234.31B	212.27B	221.10B	211.72B
Other Adjustments to Gross Loans	-7.68B	-6.90B	-6.09B	-5.83B	-5.38B
Liabilities & Obligations
Total Liabilities	1.02T	1.00T	0.95T	0.90T	0.87T
Total Liabilities & Equity	1.16T	1.14T	1.09T	1.03T	1.00T
Accounts Payable	10.61B	15.29B	11.70B	10.98B	9.78B
Accrued Expenses	2.41B	2.16B	1.89B	1.65B	2.23B
Accrued Interest Payable	6.84B	7.25B	6.76B	8.39B	8.74B
Accrued Interest Receivable	9.23B	10.15B	8.80B	9.10B	8.95B
Current Income Taxes Payable	4.21B	3.28B	4.57B	3.57B	2.73B
Other Current Liabilities	12.81B	13.17B	15.47B	13.41B	12.78B
Other Long-Term Liabilities	20.96B	15.98B	14.94B	14.24B	16.04B
Debt & Funding
Total Debt	127.21B	181.59B	160.36B	153.90B	105.54B
Current Portion of Long-Term Debt	—	4.50B	10.31B	17.72B	23.68B
Long-Term Debt	108.00B	160.79B	134.63B	120.86B	65.97B
Short-Term Borrowings	19.21B	16.30B	15.42B	15.33B	15.90B
Total Deposits	834.59B	760.35B	736.71B	697.60B	712.52B
Interest Bearing Deposits	527.59B	760.35B	736.71B	697.60B	441.36B
Non-Interest Bearing Deposits	307.00B	—	—	—	271.16B
Equity & Book Value
Shareholders' Equity	144.82B	140.02B	133.24B	126.83B	126.21B
Total Common Equity	144.58B	139.78B	133.01B	126.60B	125.99B
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	109.06B	102.76B	96.64B	97.53B
Treasury Stock	-46.00M	-46.00M	-46.00M	-46.00M	-46.00M
Comprehensive Income & Other	5.88B	6.50B	6.02B	5.73B	4.24B
Minority Interest	237.00M	232.00M	227.00M	232.00M	224.00M
Book Value Per Share	21.44	20.68	19.61	18.60	18.52
Tangible Book Value	138.96B	134.16B	127.39B	120.97B	120.36B
Tangible Book Value Per Share	20.55	19.79	18.72	17.71	17.63
Filing Date Shares Outstanding	6.32B	6.32B	6.32B	6.32B	6.31B
Total Common Shares Outstanding	6.32B	6.32B	6.32B	6.32B	6.31B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Assets
Cash & Equivalents	49.70B	48.68B	72.31B	62.93B	79.09B
Total Assets	1.16T	1.14T	1.09T	1.03T	1.00T
Investment Securities	175.08B	199.23B	183.79B	192.63B	189.02B
Trading Assets	43.94B	35.08B	28.48B	28.47B	22.69B
Gross Loans	665.45B	635.27B	576.30B	553.38B	534.55B
Net Loans	632.85B	603.65B	545.17B	520.91B	501.63B
Allowance for Loan Losses	-24.92B	-24.72B	-25.04B	-26.64B	-27.55B
Liabilities
Total Deposits	834.59B	760.35B	736.71B	697.60B	712.52B
Interest-Bearing Deposits	527.59B	760.35B	736.71B	697.60B	441.36B
Non-Interest-Bearing Deposits	307.00B	—	—	—	271.16B
Total Debt	127.21B	181.59B	160.36B	153.90B	105.54B
Total Liabilities	1.02T	1.00T	0.95T	0.90T	0.87T
Equity & Ownership
Total Equity	144.82B	140.02B	133.24B	126.83B	126.21B
Shares Outstanding	6,316,552,078	6,316,552,078	6,316,552,078	6,316,552,078	6,311,000,000
Cash & Assets
Total Assets	1.16T	1.14T	1.09T	1.03T	1.00T
Cash & Equivalents	49.70B	48.68B	72.31B	62.93B	79.09B
Net Cash (Debt)	-33.57B	-90.48B	-59.49B	-62.47B	-3.74B
Net Cash Per Share	-5.32	-14.09	-9.25	-10.09	-0.59
Other Receivables	108.56B	105.60B	97.39B	88.66B	74.54B
Restricted Cash	107.49B	102.71B	113.87B	94.43B	87.38B
Property, Plant & Equipment	8.74B	8.57B	8.22B	8.03B	7.94B
Goodwill	5.52B	—	—	—	5.52B
Other Intangible Assets	0.10B	5.62B	5.62B	5.62B	0.11B
Investments in Real Estate	347.00M	340.00M	338.00M	337.00M	348.00M
Other Current Assets	16.64B	15.97B	17.95B	16.42B	16.05B
Other Long-Term Assets	6.14B	3.26B	3.15B	2.66B	2.91B
Long-Term Deferred Tax Assets	0.10B	0.21B	0.55B	0.38B	0.42B
Loans & Investments
Gross Loans	665.45B	635.27B	576.30B	553.38B	534.55B
Net Loans	632.85B	603.65B	545.17B	520.91B	501.63B
Allowance for Loan Losses	-24.92B	-24.72B	-25.04B	-26.64B	-27.55B
Investment Securities	175.08B	199.23B	183.79B	192.63B	189.02B
Trading Asset Securities	43.94B	35.08B	28.48B	28.47B	22.69B
Total Investments	219.02B	234.31B	212.27B	221.10B	211.72B
Other Adjustments to Gross Loans	-7.68B	-6.90B	-6.09B	-5.83B	-5.38B
Liabilities & Obligations
Total Liabilities	1.02T	1.00T	0.95T	0.90T	0.87T
Total Liabilities & Equity	1.16T	1.14T	1.09T	1.03T	1.00T
Accounts Payable	10.61B	15.29B	11.70B	10.98B	9.78B
Accrued Expenses	2.41B	2.16B	1.89B	1.65B	2.23B
Accrued Interest Payable	6.84B	7.25B	6.76B	8.39B	8.74B
Accrued Interest Receivable	9.23B	10.15B	8.80B	9.10B	8.95B
Current Income Taxes Payable	4.21B	3.28B	4.57B	3.57B	2.73B
Other Current Liabilities	12.81B	13.17B	15.47B	13.41B	12.78B
Other Long-Term Liabilities	20.96B	15.98B	14.94B	14.24B	16.04B
Debt & Funding
Total Debt	127.21B	181.59B	160.36B	153.90B	105.54B
Current Portion of Long-Term Debt	—	4.50B	10.31B	17.72B	23.68B
Long-Term Debt	108.00B	160.79B	134.63B	120.86B	65.97B
Short-Term Borrowings	19.21B	16.30B	15.42B	15.33B	15.90B
Total Deposits	834.59B	760.35B	736.71B	697.60B	712.52B
Interest Bearing Deposits	527.59B	760.35B	736.71B	697.60B	441.36B
Non-Interest Bearing Deposits	307.00B	—	—	—	271.16B
Equity & Book Value
Shareholders' Equity	144.82B	140.02B	133.24B	126.83B	126.21B
Total Common Equity	144.58B	139.78B	133.01B	126.60B	125.99B
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	109.06B	102.76B	96.64B	97.53B
Treasury Stock	-46.00M	-46.00M	-46.00M	-46.00M	-46.00M
Comprehensive Income & Other	5.88B	6.50B	6.02B	5.73B	4.24B
Minority Interest	237.00M	232.00M	227.00M	232.00M	224.00M
Book Value Per Share	21.44	20.68	19.61	18.60	18.52
Tangible Book Value	138.96B	134.16B	127.39B	120.97B	120.36B
Tangible Book Value Per Share	20.55	19.79	18.72	17.71	17.63
Filing Date Shares Outstanding	6.32B	6.32B	6.32B	6.32B	6.31B
Total Common Shares Outstanding	6.32B	6.32B	6.32B	6.32B	6.31B