Emirates NBD Bank PJSC Income Statement

Financials in millions AED. Fiscal year is January - December.

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	81,975	78,132	57,319	34,838	26,486
Interest Paid on Deposits	46,473	45,736	27,239	11,616	9,561
Net Interest Income	35,502	32,396	30,080	23,222	16,925
Net Interest Income Growth (YoY)	9.59%	7.70%	29.53%	37.21%	-3.22%
Income From Trading Activities	2,263	838	480	52	150.82
Gain (Loss) on Sale of Assets	-37	-6	389	25	-3.06
Gain (Loss) on Sale of Investments	125	454	413	114	195.01
Other Non-Interest Income	11,466	10,452	11,666	9,094	6,554
Total Non-Interest Income	13,817	11,738	12,948	9,285	6,897
Non-Interest Income Growth (YoY)	17.71%	-9.35%	39.45%	34.62%	20.51%
Revenues Before Loan Losses	49,319	44,134	43,028	32,507	23,822
Provision for Loan Losses	1,414	-10	3,352	5,184	5,899
Revenue	47,905	44,144	39,676	27,323	17,923
Revenue Growth (YoY)	8.52%	11.26%	45.21%	52.45%	17.34%
Salaries and Employee Benefits	9,229	8,282	6,772	5,350	4,566
Occupancy Expenses	1,644	1,496	1,139	1,077	1,057
Amortization of Goodwill & Intangibles	-	-	28	163	163.3
Selling, General & Administrative	4,162	3,973	3,757	2,664	2,206
Total Non-Interest Expense	15,035	13,751	11,696	9,254	8,013
EBT Excluding Unusual Items	32,870	30,393	27,980	18,069	9,910
Asset Writedown	-54	-116	-96	-	-
Other Unusual Items	-2,978	-3,136	-4,229	-3,095	-
Pretax Income	29,838	27,141	23,655	14,974	9,910
Income Tax Expense	5,831	4,133	2,134	1,964	604.17
Earnings From Continuing Operations	24,007	23,008	21,521	13,010	9,306
Minority Interest in Earnings	-26	-35	-41	-7	-8.43
Net Income	23,981	22,973	21,480	13,003	9,298
Preferred Dividends & Other Adjustments	539	511	511	511	592.23
Net Income to Common	23,442	22,462	20,969	12,492	8,705
Net Income Growth	4.39%	6.95%	65.19%	39.85%	33.59%
Basic Shares Outstanding	6,311	6,311	6,311	6,311	6,311
Diluted Shares Outstanding	6,311	6,311	6,311	6,311	6,311
Shares Change (YoY)	-	-	-	0.01%	-
EPS (Basic)	3.71	3.56	3.32	1.98	1.38
EPS (Diluted)	3.71	3.56	3.32	1.98	1.38
EPS Growth	4.36%	7.12%	67.86%	43.49%	37.99%
Dividend Per Share	1.000	1.000	1.200	0.600	0.500
Dividend Growth	-	-16.67%	100.00%	20.00%	25.00%
Effective Tax Rate	19.54%	15.23%	9.02%	13.12%	6.10%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.