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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.
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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