<\/p>\n
Emirates NBD\u2019s income surged 12% to AED23.9 billion ($6.51 billion) in the first half of 2025 on strong loan growth, regional expansion and innovative product offering.<\/p>\n
\u00a0<\/span>Lending increased by AED41 billion (8%) in the first half of 2025, fuelled by very strong demand both in the UAE and across its growing international network. Deposits grew by AED70 billion (10%) in the first half of 2025 propelled by a record AED48 billion increase in low-cost Current and Savings Account balances.\u00a0<\/span><\/p>\n \u00a0<\/span>Operating profit grew 9% as the strong loan and deposit growth momentum easily absorbed earlier interest rate cuts.<\/p>\n Meanwhile, Emirates Islamic delivered a record AED1.9 billion profit in first half of 2025, highlighting its position as a leading Islamic bank in the UAE. The region\u2019s growing affluent population propelled Assets Under Management to $50 billion, confirming Emirates NBD\u2019s successful focus on Wealth Management and new products.\u00a0<\/span><\/p>\n \u00a0<\/span>Strategic investment in the group\u2019s regional footprint, digital and GenAI are driving income growth which more than offsets the impact of lower interest rates, the bank said.<\/p>\n \u00a0<\/span>Key highlights \u2013 First Half 2025<\/p>\n *Operating profit was higher yoy reflecting strong loan & deposit growth momentum and regional expansion;<\/p>\n \u2022 Income up 12% yoy to AED23.9 billion on strong volume growth and continued momentum in innovative product offerings;<\/p>\n \u2022 8% loan growth in H1-25 of AED41 billion, with nearly half of the increase coming from international operations<\/p>\n \u2022 Deposits grew AED70 billion in H1-25, including a record AED48 billion increase in Current and Savings Accounts, reinforcing deposit mix as a key strength of the group;<\/p>\n \u2022 Impairment credit of AED0.3 billion on impressive recoveries as clients benefit from a buoyant regional economy with impaired loan ratio improving to 2.8%;\u00a0<\/span><\/p>\n \u2022 Emirates Islamic\u2019s continued strong growth momentum reporting a profit of AED1.9 billion in H1-25\u00a0<\/span><\/p>\n * Emirates NBD\u2019s investment in customer focused services & products is propelling business growth\u00a0<\/span><\/p>\n \u2022 35% market share of UAE Credit card spend; over AED100 billion Credit and Debit card spend in H1-25;<\/p>\n \u2022 \u2018SHARE\u2019 credit card, cobranded with Majid Al Futtaim Group, is Group\u2019s fastest ever card to reach 10,000 in issue<\/p>\n \u2022 KSA network expansion driving an impressive 27% loan growth in H1-25<\/p>\n \u2022 Excellent AED92 billion of new lending helped deliver 13% Retail and Corporate loan growth in H1-25<\/p>\n \u2022 New Structured Credit, Commodity and Investment products introduced, driving a substantial increase in income from both local and international clients.<\/p>\n * Looking to the future, Emirates NBD is transforming into a data-first, digital-focused and environmentally responsible regional powerhouse;<\/p>\n \u2022 ENBD X launched in KSA, upgrading digital offering in the kingdom\u00a0<\/span><\/p>\n \u2022 Launched crypto trading through Liv X in partnership with Aquanow and Zodia Custody<\/p>\n \u2022 More than 750,000 users of WhatsApp banking.\u00a0<\/span><\/p>\n \u00a0<\/span>Hesham Abdulla Al Qassim, Vice Chairman and Managing Director said:”The group\u2019s ability to substantially grow income is a direct benefit of the strategic investment in our regional footprint, Digital and GenAI, helping to offset the impact of lower interest rates.<\/p>\n \u00a0<\/span>“Innovative products have successfully harnessed key growth areas, including Private Banking, Wealth Management, Escrow, regional corporate growth and investment banking.\u00a0<\/span><\/p>\n \u00a0<\/span>“We have worked hard to nurture the UAE\u2019s leading deposit franchise in low-cost Current Accounts and Savings Accounts, which accounted for AED48 billion of the AED70 billion growth in deposits in the first half of 2025.”<\/p>\n Patrick Sullivan, Group Chief Financial Officer, said:\u00a0 <\/span>\u201cProfit before tax was AED15.4 billion despite nearly AED2 billion lower recoveries in the first half of 2025 relative to the very strong recoveries last year.”<\/p>\n \u00a0<\/span>“The continued healthy credit environment and buoyant economy delivered a net impairment credit of AED0.3 billion, leading to a positive revision on credit metrics.<\/p>\n \u00a0<\/span>“Healthy capital generation helped support extremely strong loan growth and the rock-solid balance sheet makes Emirates NBD a regional powerhouse, providing the platform for future growth. The investment in people, network, technology and products is clearly delivering new sources of income.\u201d<\/p>\n <\/p>","protected":false},"excerpt":{"rendered":" Emirates NBD\u2019s income surged 12% to AED23.9 billion ($6.51 billion) in the first half of 2025 on strong loan growth, regional expansion and innovative product offering. \u00a0Lending increased by AED41 billion (8%) in the first half of 2025, fuelled by very strong demand both in the UAE and across its growing international network. Deposits grew […]<\/p>\n","protected":false},"author":1,"featured_media":4563,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4562","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-rubriki"],"featured_image_src":{"landsacpe":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/07\/Emirates-NBD-23-1140x445.jpg",1140,445,true],"list":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/07\/Emirates-NBD-23-463x348.jpg",463,348,true],"medium":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/07\/Emirates-NBD-23-300x200.jpg",300,200,true],"full":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/07\/Emirates-NBD-23.jpg",1280,853,false]},"_links":{"self":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/4562","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/comments?post=4562"}],"version-history":[{"count":1,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/4562\/revisions"}],"predecessor-version":[{"id":4564,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/4562\/revisions\/4564"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media\/4563"}],"wp:attachment":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media?parent=4562"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/categories?post=4562"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/tags?post=4562"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}