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
Operating Summary
Revenue	11.24B	12.74B	11.56B	12.37B	9.11B
Interest Income	21.45B	21.57B	19.76B	19.20B	21.17B
Interest Expense	11.74B	12.60B	11.38B	10.74B	12.61B
Pretax Income	6.44B	7.95B	7.68B	7.77B	4.98B
Income Tax	1.39B	1.52B	1.37B	1.55B	0.99B
Net Income	4.92B	6.42B	6.17B	5.93B	3.86B
Net Interest Income	9.71B	8.96B	8.38B	8.46B	8.57B
Non-Interest Income	2.94B	3.77B	3.69B	3.42B	2.69B
Non-Interest Expense	3.86B	3.91B	3.59B	3.68B	4.10B
Loan Loss Provisions	1.41B	-0.01B	0.51B	-0.50B	2.15B
EPS (Basic)	0.78	1.00	0.96	0.96	0.61
EPS (Diluted)	0.78	1.00	0.96	0.96	0.61
Margins & Efficiency
Net Margin %	+43.8%	+50.4%	+53.4%	+47.9%	+42.3%
Revenue & Income
Revenue	11.24B	12.74B	11.56B	12.37B	9.11B
Revenue	11.24B	12.74B	11.56B	12.37B	9.11B
Revenue Growth (YoY)	+23.3%	+19.8%	-10.1%	+7.1%	+7.7%
Revenues Before Loan Losses	12.65B	12.73B	12.06B	11.88B	11.26B
Interest Income on Loans	21.45B	21.57B	19.76B	19.20B	21.17B
Net Interest Income	9.71B	8.96B	8.38B	8.46B	8.57B
Net Interest Income Growth (YoY)	+13.3%	+5.7%	+5.5%	+14.1%	+9.6%
Non-Interest Income Growth (YoY)	+9.4%	+24.7%	+32.9%	+5.2%	+7.9%
Total Non-Interest Income	2.94B	3.77B	3.69B	3.42B	2.69B
Other Non-Interest Income	2.14B	3.00B	3.16B	3.16B	2.46B
Income From Trading Activities	804.00M	763.00M	502.00M	194.00M	205.00M
Gain (Loss) on Sale of Assets	-5.00M	—	9.00M	-41.00M	-67.00M
Gain (Loss) on Sale of Investments	1.00M	—	16.00M	108.00M	92.00M
Expenses & Provisions
Selling, General & Administrative	1.11B	0.37B	1.03B	1.65B	1.28B
Interest Paid on Deposits	11.74B	12.60B	11.38B	10.74B	12.61B
Total Non-Interest Expense	3.86B	3.91B	3.59B	3.68B	4.10B
Other Non-Interest Expense	—	794.00M	-73.00M	-721.00M	—
Provision for Loan Losses	1.41B	-0.01B	0.51B	-0.50B	2.15B
Salaries and Employee Benefits	2.32B	2.39B	2.25B	2.27B	2.36B
Occupancy Expenses	434.00M	356.00M	376.00M	478.00M	463.00M
Asset Writedown	-340.00M	—	320.00M	-34.00M	696.00M
Amortization of Goodwill & Intangibles	—	—	—	—	—
Profitability & Returns
EBT Excluding Unusual Items	7.38B	8.83B	7.97B	8.70B	5.01B
Pretax Income	6.44B	7.95B	7.68B	7.77B	4.98B
Profit Margin	+43.8%	+50.4%	+53.4%	+47.9%	+42.3%
Net Income	5.05B	6.42B	6.30B	6.21B	3.98B
Net Income to Common	4.92B	6.42B	6.17B	5.93B	3.86B
Net Income Growth	+26.7%	+22.8%	-10.7%	-7.3%	-0.9%
Earnings From Continuing Ops.	5.05B	6.43B	6.31B	6.22B	3.99B
Minority Interest in Earnings	-7.00M	-9.00M	-5.00M	-5.00M	-7.00M
Income Tax Expense	1.39B	1.52B	1.37B	1.55B	0.99B
Effective Tax Rate	+21.6%	+19.1%	+17.9%	+19.9%	+19.8%
Per Share & Capital
EPS (Basic)	0.78	1.00	0.96	0.96	0.61
EPS (Diluted)	0.78	1.00	0.96	0.96	0.61
EPS Growth	+27.5%	+23.5%	-13.1%	-7.8%	-1.0%
Dividend Per Share	1.00	—	—	—	1.00
Shares Change (YoY)	—	-0.01	0.03	-0	—
Shares Outstanding (Basic)	6.31B	6.42B	6.43B	6.19B	6.31B
Shares Outstanding (Diluted)	6.31B	6.42B	6.43B	6.19B	6.31B
Dividend Growth	—	—	—	—	-16.7%
Free Cash Flow	-15.98B	-46.01B	-41.98B	-35.03B	-7.92B
Free Cash Flow Margin	-142.2%	-361.2%	-363.3%	-283.1%	-86.9%
Free Cash Flow Per Share	-2.53	-7.17	-6.53	-5.66	-1.26
Payout Ratio	+2.5%	+2.0%	+2.0%	+104.0%	+3.2%
Preferred Dividends & Other Adjustments	128.00M	—	129.00M	282.00M	128.00M
Supplemental
Other Unusual Items	-0.59B	-0.87B	-0.61B	-0.90B	-0.73B

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
Operating Summary
Revenue	11.24B	12.74B	11.56B	12.37B	9.11B
Interest Income	21.45B	21.57B	19.76B	19.20B	21.17B
Interest Expense	11.74B	12.60B	11.38B	10.74B	12.61B
Pretax Income	6.44B	7.95B	7.68B	7.77B	4.98B
Income Tax	1.39B	1.52B	1.37B	1.55B	0.99B
Net Income	4.92B	6.42B	6.17B	5.93B	3.86B
Net Interest Income	9.71B	8.96B	8.38B	8.46B	8.57B
Non-Interest Income	2.94B	3.77B	3.69B	3.42B	2.69B
Non-Interest Expense	3.86B	3.91B	3.59B	3.68B	4.10B
Loan Loss Provisions	1.41B	-0.01B	0.51B	-0.50B	2.15B
EPS (Basic)	0.78	1.00	0.96	0.96	0.61
EPS (Diluted)	0.78	1.00	0.96	0.96	0.61
Margins & Efficiency
Net Margin %	+43.8%	+50.4%	+53.4%	+47.9%	+42.3%
Revenue & Income
Revenue	11.24B	12.74B	11.56B	12.37B	9.11B
Revenue	11.24B	12.74B	11.56B	12.37B	9.11B
Revenue Growth (YoY)	+23.3%	+19.8%	-10.1%	+7.1%	+7.7%
Revenues Before Loan Losses	12.65B	12.73B	12.06B	11.88B	11.26B
Interest Income on Loans	21.45B	21.57B	19.76B	19.20B	21.17B
Net Interest Income	9.71B	8.96B	8.38B	8.46B	8.57B
Net Interest Income Growth (YoY)	+13.3%	+5.7%	+5.5%	+14.1%	+9.6%
Non-Interest Income Growth (YoY)	+9.4%	+24.7%	+32.9%	+5.2%	+7.9%
Total Non-Interest Income	2.94B	3.77B	3.69B	3.42B	2.69B
Other Non-Interest Income	2.14B	3.00B	3.16B	3.16B	2.46B
Income From Trading Activities	804.00M	763.00M	502.00M	194.00M	205.00M
Gain (Loss) on Sale of Assets	-5.00M	—	9.00M	-41.00M	-67.00M
Gain (Loss) on Sale of Investments	1.00M	—	16.00M	108.00M	92.00M
Expenses & Provisions
Selling, General & Administrative	1.11B	0.37B	1.03B	1.65B	1.28B
Interest Paid on Deposits	11.74B	12.60B	11.38B	10.74B	12.61B
Total Non-Interest Expense	3.86B	3.91B	3.59B	3.68B	4.10B
Other Non-Interest Expense	—	794.00M	-73.00M	-721.00M	—
Provision for Loan Losses	1.41B	-0.01B	0.51B	-0.50B	2.15B
Salaries and Employee Benefits	2.32B	2.39B	2.25B	2.27B	2.36B
Occupancy Expenses	434.00M	356.00M	376.00M	478.00M	463.00M
Asset Writedown	-340.00M	—	320.00M	-34.00M	696.00M
Amortization of Goodwill & Intangibles	—	—	—	—	—
Profitability & Returns
EBT Excluding Unusual Items	7.38B	8.83B	7.97B	8.70B	5.01B
Pretax Income	6.44B	7.95B	7.68B	7.77B	4.98B
Profit Margin	+43.8%	+50.4%	+53.4%	+47.9%	+42.3%
Net Income	5.05B	6.42B	6.30B	6.21B	3.98B
Net Income to Common	4.92B	6.42B	6.17B	5.93B	3.86B
Net Income Growth	+26.7%	+22.8%	-10.7%	-7.3%	-0.9%
Earnings From Continuing Ops.	5.05B	6.43B	6.31B	6.22B	3.99B
Minority Interest in Earnings	-7.00M	-9.00M	-5.00M	-5.00M	-7.00M
Income Tax Expense	1.39B	1.52B	1.37B	1.55B	0.99B
Effective Tax Rate	+21.6%	+19.1%	+17.9%	+19.9%	+19.8%
Per Share & Capital
EPS (Basic)	0.78	1.00	0.96	0.96	0.61
EPS (Diluted)	0.78	1.00	0.96	0.96	0.61
EPS Growth	+27.5%	+23.5%	-13.1%	-7.8%	-1.0%
Dividend Per Share	1.00	—	—	—	1.00
Shares Change (YoY)	—	-0.01	0.03	-0	—
Shares Outstanding (Basic)	6.31B	6.42B	6.43B	6.19B	6.31B
Shares Outstanding (Diluted)	6.31B	6.42B	6.43B	6.19B	6.31B
Dividend Growth	—	—	—	—	-16.7%
Free Cash Flow	-15.98B	-46.01B	-41.98B	-35.03B	-7.92B
Free Cash Flow Margin	-142.2%	-361.2%	-363.3%	-283.1%	-86.9%
Free Cash Flow Per Share	-2.53	-7.17	-6.53	-5.66	-1.26
Payout Ratio	+2.5%	+2.0%	+2.0%	+104.0%	+3.2%
Preferred Dividends & Other Adjustments	128.00M	—	129.00M	282.00M	128.00M
Supplemental
Other Unusual Items	-0.59B	-0.87B	-0.61B	-0.90B	-0.73B