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Emirates NBD Bank (EMIRATESNBD) investor relations material
Emirates NBD Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Profit before tax for the first nine months reached AED 23.4 billion, up 6% year on year, with net profit nearly flat at AED 18,955 million.
Income rose 12% year to date, driven by record loan growth and a strong deposit mix across all segments and markets.
Emirates Islamic delivered a record AED 3.2 billion profit before tax in 9M'25.
Announced acquisition of a 60% stake in RBL Bank, India, for approximately $3 billion (AED 11.2 billion), pending regulatory approval.
Completed acquisition of the remaining 0.1% in Emirates Islamic Bank, now holding 100%.
Financial highlights
Total income reached AED 36.7 billion, up 12% year on year, with net interest income up 8% and non-funded income up 20%.
Net loans and receivables rose to AED 603.6 billion, with gross lending up 19% year to date.
Customer deposits increased by AED 94 billion year to date (up 14%) to AED 760 billion, with CASA deposits up AED 56 billion.
Operating profit increased 10% year on year to AED 25.5 billion.
Earnings per share for the period was AED 2.94, nearly unchanged from AED 2.95 in 2024.
Outlook and guidance
Loan growth guidance for the full year raised to the low 20% range, reflecting strong momentum.
Net interest margin (NIM) guidance for ex-DenizBank expected to exit Q4 at 2.7%-2.75%, with full-year range between 2.9%-3%; actual NIM for 9M'25 was 3.43%.
Cost-to-income ratio expected to land around 31% for the full year; actual for 9M'25 was 30.5%.
NPL ratio guidance maintained at <3%; cost of risk guidance at 20–40bps.
The RBL Bank acquisition is expected to close by Q2 2026, expanding presence in India.
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Next Emirates NBD Bank earnings date
Q4 202528 Jan, 2026
Next Emirates NBD Bank earnings date
Q4 202528 Jan, 2026
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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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