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Visual22 Oct 2025
Epiroc's cash spent on M&A
Emirates NBD Bank (EMIRATESNBD) investor relations material
Emirates NBD Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Income rose 12% year-over-year to AED 23.9bn, driven by strong loan growth, improved deposit mix, and broader product offerings.
Operating profit increased 9% year-over-year to AED 16.7bn, despite lower interest rates.
Net profit for H1 2025 was AED 12.5bn, down 9% year-over-year due to higher taxes and lower recoveries.
Nearly half of loan growth came from the international network, with strong double-digit growth in KSA, Egypt, India, Singapore, and London.
Moody's upgraded the credit rating in May, now at par with leading global banks.
Financial highlights
Net interest income grew 10% year-over-year to AED 16.8bn; non-funded income up 18% to AED 7.1bn.
Total assets increased to AED 1,086bn, up 17% year-over-year.
Deposits rose to AED 737bn, with 60% in low-cost CASA.
NPL ratio improved to 2.8%, with coverage at 155-156% and stage 3 coverage at 91%.
Cost-income ratio at 30.3% for H1, improving to 29.8% in Q2.
Outlook and guidance
Loan growth guidance revised up to low double digits for the full year, reflecting strong H1 momentum.
NPL guidance improved to less than 3%; cost of risk guidance lowered to 20–40bps.
Net interest margin expected to finish 2025 in the 3.3%–3.5% range, assuming three US rate cuts.
Cost-income ratio expected to finish the year around 31%.
Management expects continued impact from hyperinflation in Türkiye and evolving tax regulations.
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Next Emirates NBD Bank earnings date
Q3 202523 Oct, 2025
Next Emirates NBD Bank earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
Emirates NBD Bank PJSC is a financial services institution offering a wide range of banking products and services to individuals, businesses, and government entities. The bank provides retail and corporate banking, wealth management, investment banking, Islamic banking, and treasury services. The company is headquartered in Dubai, United Arab Emirates, and its shares are listed on the DFM.
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