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	Jun '26 Jun 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	86,675	49,701	79,085	51,798	53,083	44,471
Investment Securities	169,532	175,078	189,024	163,317	120,550	106,665
Trading Asset Securities	53,931	43,943	22,694	25,213	23,463	13,151
Total Investments	223,463	219,021	211,718	188,530	144,013	119,816
Gross Loans	779,258	665,446	534,554	484,078	458,692	461,273
Allowance for Loan Losses	-24,919	-24,924	-27,552	-35,780	-39,405	-37,185
Other Adjustments to Gross Loans	-7,982	-7,675	-5,375	-3,193	-2,683	-1,815
Net Loans	746,357	632,847	501,627	445,105	416,604	422,272
Property, Plant & Equipment	9,824	8,742	7,941	5,264	4,106	3,748
Goodwill	-	5,516	5,515	5,527	5,535	5,557
Other Intangible Assets	7,005	104	111	156	244	424.72
Investments in Real Estate	464	347	348	359	454	440.35
Accrued Interest Receivable	11,405	9,231	8,945	6,358	4,246	3,108
Other Receivables	116,169	108,559	74,541	67,857	44,673	25,577
Restricted Cash	91,717	107,494	87,377	72,320	51,570	45,176
Other Current Assets	17,396	16,640	16,048	14,907	13,585	13,711
Long-Term Deferred Tax Assets	1,284	96	420	493	1,052	929.14
Other Long-Term Assets	10,707	6,144	2,906	4,099	2,797	2,208
Total Assets	1,322,466	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	Jun '26 Jun 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	14,975	10,606	9,783	8,014	5,809	4,369
Accrued Expenses	2,201	2,407	2,226	1,805	1,573	1,405
Interest Bearing Deposits	892,070	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	892,070	834,586	712,522	614,886	535,190	496,562
Short-Term Borrowings	23,702	19,208	15,897	17,389	20,206	9,186
Current Portion of Long-Term Debt	9,134	-	23,679	19,278	8,601	12,640
Current Income Taxes Payable	6,799	4,207	2,734	489	866	226.94
Accrued Interest Payable	7,567	6,838	8,743	6,647	2,983	1,893
Other Current Liabilities	12,353	12,808	12,776	11,158	19,828	12,853
Long-Term Debt	176,967	108,002	65,966	61,507	53,601	58,097
Other Long-Term Liabilities	17,796	20,961	16,042	11,628	-	6,625
Total Liabilities	1,163,564	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	Jun '26 Jun 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	120,104	114,474	97,525	83,162	66,135	56,878
Treasury Stock	-46	-46	-46	-46	-46	-46.18
Comprehensive Income & Other	7,732	5,883	4,240	2,412	2,839	2,417
Total Common Equity	152,061	144,582	125,990	109,799	93,199	83,520
Minority Interest	6,841	237	224	173	106	59.63
Shareholders' Equity	158,902	144,819	126,214	109,972	93,305	83,580
Total Liabilities & Equity	1,322,466	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	Jun '26 Jun 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	209,803	127,210	105,542	98,174	82,408	79,923
Net Cash (Debt)	-69,197	-33,566	-3,736	-21,163	-4,862	-19,301
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-10.96	-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	22.63	21.44	18.52	15.94	13.31	11.78
Tangible Book Value	145,056	138,962	120,364	104,116	87,420	77,539
Tangible Book Value Per Share	21.52	20.55	17.63	15.04	12.39	10.83