)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
Emirates NBD Bank
Emirates NBD Bank (EMIRATESNBD) investor relations material
Emirates NBD Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Achieved record profit before tax of AED 29.8 billion in 2025, up 10% year-on-year, with total income rising 12% to AED 49.3 billion, driven by strong loan growth, resilient margins, and robust non-funded income.
Total assets surpassed AED 1 trillion, with gross loans up 24% (AED 129-130 billion) and deposits up AED 119 billion (18%), supported by strong CASA growth.
Emirates Islamic and DenizBank delivered record profits, with KSA operations showing 48% loan growth and international operations contributing 35% of group income.
Board proposes a flat AED 1.00 (100 fils) dividend, prioritizing capital for growth and the RBL Bank acquisition.
Major acquisition: 60% stake in RBL Bank, India, expected to close in Q2 2026, with further tender offer required.
Financial highlights
Net interest income grew 10% year-on-year to AED 35.5 billion, with non-funded income up 18% to AED 13.8 billion.
Operating profit before impairment rose 13% to AED 34.3 billion; cost-to-income ratio improved to 30.5%, below 33% guidance.
NPL ratio improved to 2.4% in 2025; coverage at 160%, with cost of risk at 24 bps.
CET1 ratio at 14.4%, supporting 20% growth in risk-weighted assets and well above regulatory minimums.
EPS increased to AED 3.71; return on tangible equity at 19.4%.
Outlook and guidance
2026 NIM guidance: 3.1%-3.3%, reflecting expected rate cuts and margin normalization.
Loan growth guidance for 2026 in the mid-teens, with moderation expected after exceptional 2025.
Cost of risk guidance for 2026: 30-50 bps overall, with DenizBank expected to remain elevated (150-200 bps).
Guidance excludes RBL acquisition; pro forma impacts to be shared post-closing.
CBUAE to increase countercyclical capital buffer to 0.5% in 2026, raising minimum capital ratio by 30 bps.
What factors drove the 1.5B impairment allowance?
What is the target for international income contribution?
How did NIM decline impact net interest income growth?
RBL acquisition: 2026 pro forma impact
Future dividend policy given growth strategy
Hyperinflation exit: Turkiye's bottom line impact
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Emirates NBD Bank earnings date
Q1 202621 Apr, 2026
Emirates NBD Bank
Next Emirates NBD Bank earnings date
Q1 202621 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage