Emirates NBD Bank PJSC (DFM:EMIRATESNBD)

Emirates NBD Bank PJSC Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	48,682	79,085	51,798	53,083	44,471	38,612
Investment Securities	199,234	189,024	163,317	120,550	106,665	100,501
Trading Asset Securities	35,077	22,694	25,213	23,463	13,151	19,593
Total Investments	234,311	211,718	188,530	144,013	119,816	120,094
Gross Loans	635,273	534,554	484,078	458,692	461,273	480,248
Allowance for Loan Losses	-24,721	-27,552	-35,780	-39,405	-37,185	-34,985
Other Adjustments to Gross Loans	-6,904	-5,375	-3,193	-2,683	-1,815	-1,721
Net Loans	603,648	501,627	445,105	416,604	422,272	443,541
Property, Plant & Equipment	8,570	7,941	5,264	4,106	3,748	4,080
Goodwill	-	5,515	5,527	5,535	5,557	5,557
Other Intangible Assets	5,622	111	156	244	424.72	756.36
Investments in Real Estate	340	348	359	454	440.35	584.72
Accrued Interest Receivable	10,151	8,945	6,358	4,246	3,108	4,784
Other Receivables	105,598	74,541	67,857	44,673	25,577	23,962
Restricted Cash	102,711	87,377	72,320	51,570	45,176	42,943
Other Current Assets	15,973	16,048	14,907	13,585	13,711	11,014
Long-Term Deferred Tax Assets	214	420	493	1,052	929.14	882.85
Other Long-Term Assets	3,263	2,906	4,099	2,797	2,208	1,276
Total Assets	1,139,083	996,582	862,773	741,962	687,437	698,087
Accounts Payable	15,286	9,783	8,014	5,809	4,369	4,172
Accrued Expenses	2,162	2,226	1,805	1,573	1,405	1,327
Interest Bearing Deposits	760,351	441,364	366,066	297,974	277,975	319,516
Non-Interest Bearing Deposits	-	271,158	248,820	237,216	218,587	189,210
Total Deposits	760,351	712,522	614,886	535,190	496,562	508,726
Short-Term Borrowings	16,304	15,897	17,389	20,206	9,186	10,775
Current Portion of Long-Term Debt	4,495	23,679	19,278	8,601	12,640	17,071
Current Income Taxes Payable	3,284	2,734	489	866	226.94	311.96
Accrued Interest Payable	7,248	8,743	6,647	2,983	1,893	3,041
Other Current Liabilities	13,166	12,776	11,158	19,828	12,853	10,320
Long-Term Debt	160,794	65,966	61,507	53,601	58,097	50,246
Other Long-Term Liabilities	15,978	16,042	11,628	-	6,625	7,480
Total Liabilities	999,068	870,368	752,801	648,657	603,857	613,469
Common Stock	6,317	6,317	6,317	6,317	6,317	6,317
Additional Paid-In Capital	17,954	17,954	17,954	17,954	17,954	17,954
Retained Earnings	109,056	97,525	83,162	66,135	56,878	50,805
Treasury Stock	-46	-46	-46	-46	-46.18	-46.18
Comprehensive Income & Other	6,502	4,240	2,412	2,839	2,417	9,563
Total Common Equity	139,783	125,990	109,799	93,199	83,520	84,592
Minority Interest	232	224	173	106	59.63	26.24
Shareholders' Equity	140,015	126,214	109,972	93,305	83,580	84,618
Total Liabilities & Equity	1,139,083	996,582	862,773	741,962	687,437	698,087
Total Debt	181,593	105,542	98,174	82,408	79,923	78,092
Net Cash (Debt)	-90,475	-3,736	-21,163	-4,862	-19,301	13,613
Net Cash Growth	-	-	-	-	-	-56.54%
Net Cash Per Share	-14.34	-0.59	-3.35	-0.77	-3.06	2.16
Filing Date Shares Outstanding	6,317	6,311	6,317	6,317	6,317	6,317
Total Common Shares Outstanding	6,317	6,311	6,317	6,317	6,317	6,317
Book Value Per Share	20.68	18.52	15.94	13.31	11.78	11.75
Tangible Book Value	134,161	120,364	104,116	87,420	77,539	78,279
Tangible Book Value Per Share	19.79	17.63	15.04	12.39	10.83	10.75

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.