Emirates NBD Bank PJSC Income Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	83,091	81,975	78,132	57,319	34,838	26,486
Interest Paid on Deposits	46,556	46,473	45,736	27,239	11,616	9,561
Net Interest Income	36,535	35,502	32,396	30,080	23,222	16,925
Net Interest Income Growth (YoY)	9.25%	9.59%	7.70%	29.53%	37.21%	-3.22%
Income From Trading Activities	2,244	2,263	838	480	52	150.82
Gain (Loss) on Sale of Assets	-9	-37	-6	389	25	-3.06
Gain (Loss) on Sale of Investments	118	125	454	413	114	195.01
Other Non-Interest Income	12,909	11,466	10,452	11,666	9,094	6,554
Total Non-Interest Income	15,262	13,817	11,738	12,948	9,285	6,897
Non-Interest Income Growth (YoY)	28.19%	17.71%	-9.35%	39.45%	34.62%	20.51%
Revenues Before Loan Losses	51,797	49,319	44,134	43,028	32,507	23,822
Provision for Loan Losses	2,712	1,414	-10	3,352	5,184	5,899
Revenue	49,085	47,905	44,144	39,676	27,323	17,923
Revenue Growth (YoY)	9.27%	8.52%	11.26%	45.21%	52.45%	17.34%
Salaries and Employee Benefits	9,404	9,229	8,282	6,772	5,350	4,566
Occupancy Expenses	1,696	1,644	1,496	1,139	1,077	1,057
Amortization of Goodwill & Intangibles	-	-	-	28	163	163.3
Selling, General & Administrative	4,448	4,162	3,973	3,757	2,664	2,206
Total Non-Interest Expense	15,548	15,035	13,751	11,696	9,254	8,013
EBT Excluding Unusual Items	33,537	32,870	30,393	27,980	18,069	9,910
Asset Writedown	-47	-54	-116	-96	-	-
Other Unusual Items	-3,190	-2,978	-3,136	-4,229	-3,095	-
Pretax Income	30,300	29,838	27,141	23,655	14,974	9,910
Income Tax Expense	6,100	5,831	4,133	2,134	1,964	604.17
Earnings From Continuing Operations	24,200	24,007	23,008	21,521	13,010	9,306
Minority Interest in Earnings	-31	-26	-35	-41	-7	-8.43
Net Income	24,169	23,981	22,973	21,480	13,003	9,298
Preferred Dividends & Other Adjustments	515	539	511	511	511	592.23
Net Income to Common	23,654	23,442	22,462	20,969	12,492	8,705
Net Income Growth	7.49%	4.39%	6.95%	65.19%	39.85%	33.59%
Basic Shares Outstanding	6,311	6,311	6,311	6,311	6,311	6,311
Diluted Shares Outstanding	6,311	6,311	6,311	6,311	6,311	6,311
Shares Change (YoY)	-0.42%	-	-	-	0.01%	-
EPS (Basic)	3.75	3.71	3.56	3.32	1.98	1.38
EPS (Diluted)	3.75	3.71	3.56	3.32	1.98	1.38
EPS Growth	7.60%	4.36%	7.12%	67.86%	43.49%	37.99%
Dividend Per Share	1.000	1.000	1.000	1.200	0.600	0.500
Dividend Growth	-	-	-16.67%	100.00%	20.00%	25.00%
Effective Tax Rate	20.13%	19.54%	15.23%	9.02%	13.12%	6.10%

Updated Mar 31, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.