Emirates NBD Bank PJSC Balance Sheet

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

Millions AED. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Cash & Equivalents	60,564	49,701	79,085	51,798	53,083	44,471
Investment Securities	192,704	175,078	189,024	163,317	120,550	106,665
Trading Asset Securities	58,436	43,943	22,694	25,213	23,463	13,151
Total Investments	251,140	219,021	211,718	188,530	144,013	119,816
Gross Loans	840,915	665,446	534,554	484,078	458,692	461,273
Allowance for Loan Losses	-24,428	-24,924	-27,552	-35,780	-39,405	-37,185
Other Adjustments to Gross Loans	-8,112	-7,675	-5,375	-3,193	-2,683	-1,815
Net Loans	808,375	632,847	501,627	445,105	416,604	422,272
Property, Plant & Equipment	9,999	8,742	7,941	5,264	4,106	3,748
Goodwill	-	5,516	5,515	5,527	5,535	5,557
Other Intangible Assets	6,981	104	111	156	244	424.72
Investments in Real Estate	454	347	348	359	454	440.35
Accrued Interest Receivable	12,394	9,231	8,945	6,358	4,246	3,108
Other Receivables	109,124	108,559	74,541	67,857	44,673	25,577
Restricted Cash	93,348	107,494	87,377	72,320	51,570	45,176
Other Current Assets	18,702	16,640	16,048	14,907	13,585	13,711
Long-Term Deferred Tax Assets	1,150	96	420	493	1,052	929.14
Other Long-Term Assets	6,801	6,144	2,906	4,099	2,797	2,208
Total Assets	1,379,032	1,164,442	996,582	862,773	741,962	687,437

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Accounts Payable	13,035	10,606	9,783	8,014	5,809	4,369
Accrued Expenses	2,451	2,407	2,226	1,805	1,573	1,405
Interest Bearing Deposits	934,561	527,586	441,364	366,066	297,974	277,975
Non-Interest Bearing Deposits	-	307,000	271,158	248,820	237,216	218,587
Total Deposits	934,561	834,586	712,522	614,886	535,190	496,562
Short-Term Borrowings	27,609	19,208	15,897	17,389	20,206	9,186
Current Portion of Long-Term Debt	8,248	-	23,679	19,278	8,601	12,640
Current Income Taxes Payable	5,007	4,207	2,734	489	866	226.94
Accrued Interest Payable	9,053	6,838	8,743	6,647	2,983	1,893
Other Current Liabilities	13,022	12,808	12,776	11,158	19,828	12,853
Long-Term Debt	181,575	108,002	65,966	61,507	53,601	58,097
Other Long-Term Liabilities	21,412	20,961	16,042	11,628	-	6,625
Total Liabilities	1,215,973	1,019,623	870,368	752,801	648,657	603,857

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
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	126,301	114,474	97,525	83,162	66,135	56,878
Treasury Stock	-46	-46	-46	-46	-46	-46.18
Comprehensive Income & Other	5,643	5,883	4,240	2,412	2,839	2,417
Total Common Equity	156,169	144,582	125,990	109,799	93,199	83,520
Minority Interest	6,890	237	224	173	106	59.63
Shareholders' Equity	163,059	144,819	126,214	109,972	93,305	83,580
Total Liabilities & Equity	1,379,032	1,164,442	996,582	862,773	741,962	687,437

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Total Debt	217,432	127,210	105,542	98,174	82,408	79,923
Net Cash (Debt)	-80,905	-33,566	-3,736	-21,163	-4,862	-19,301
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-12.82	-5.32	-0.59	-3.35	-0.77	-3.06
Filing Date Shares Outstanding	6,317	6,317	6,311	6,317	6,317	6,317
Total Common Shares Outstanding	6,317	6,317	6,311	6,317	6,317	6,317
Book Value Per Share	23.28	21.44	18.52	15.94	13.31	11.78
Tangible Book Value	149,188	138,962	120,364	104,116	87,420	77,539
Tangible Book Value Per Share	22.17	20.55	17.63	15.04	12.39	10.83