Emirates NBD Bank PJSC (DFM:EMIRATESNBD)
United Arab Emirates · Delayed Price · Currency is AED 30.30
-0.32 (-1.05%)
Oct 28, 2026, 2:55 PM GST
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 | 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 |
Interest Income on Loans | 88,852 | 81,975 | 78,132 | 57,319 | 34,838 | 26,486 |
Interest Paid on Deposits | 49,702 | 46,473 | 45,736 | 27,239 | 11,616 | 9,561 |
Net Interest Income | 39,150 | 35,502 | 32,396 | 30,080 | 23,222 | 16,925 |
Net Interest Income Growth | 13.94% | 9.59% | 7.70% | 29.53% | 37.21% | -3.22% |
Income From Trading Activities | 2,720 | 2,263 | 838 | 480 | 52 | 150.82 |
Gain (Loss) on Sale of Assets | 242 | -37 | -6 | 389 | 25 | -3.06 |
Gain (Loss) on Sale of Investments | 111 | 125 | 454 | 413 | 114 | 195.01 |
Other Non-Interest Income | 12,658 | 11,466 | 10,452 | 11,666 | 9,094 | 6,554 |
Total Non-Interest Income | 15,731 | 13,817 | 11,738 | 12,948 | 9,285 | 6,897 |
Non-Interest Income Growth | 15.98% | 17.71% | -9.35% | 39.45% | 34.62% | 20.51% |
Revenues Before Loan Losses | 54,881 | 49,319 | 44,134 | 43,028 | 32,507 | 23,822 |
Provision for Loan Losses | 3,849 | 1,414 | -10 | 3,352 | 5,184 | 5,899 |
| 51,032 | 47,905 | 44,144 | 39,676 | 27,323 | 17,923 | |
Revenue Growth | 10.57% | 8.52% | 11.26% | 45.21% | 52.45% | 17.34% |
Salaries and Employee Benefits | 10,123 | 9,229 | 8,282 | 6,772 | 5,350 | 4,566 |
Occupancy Expenses | 1,880 | 1,644 | 1,496 | 1,139 | 1,077 | 1,057 |
Amortization of Goodwill & Intangibles | - | - | - | 28 | 163 | 163.3 |
Selling, General & Administrative | 5,111 | 4,162 | 3,973 | 3,757 | 2,664 | 2,206 |
Total Non-Interest Expense | 17,114 | 15,035 | 13,751 | 11,696 | 9,254 | 8,013 |
EBT Excluding Unusual Items | 33,918 | 32,870 | 30,393 | 27,980 | 18,069 | 9,910 |
Asset Writedown | 18 | -54 | -116 | -96 | - | - |
Other Unusual Items | -3,204 | -2,978 | -3,136 | -4,229 | -3,095 | - |
Pretax Income | 30,732 | 29,838 | 27,141 | 23,655 | 14,974 | 9,910 |
Income Tax Expense | 6,388 | 5,831 | 4,133 | 2,134 | 1,964 | 604.17 |
Earnings From Continuing Operations | 24,344 | 24,007 | 23,008 | 21,521 | 13,010 | 9,306 |
Minority Interest in Earnings | -155 | -26 | -35 | -41 | -7 | -8.43 |
Net Income | 24,189 | 23,981 | 22,973 | 21,480 | 13,003 | 9,298 |
Preferred Dividends & Other Adjustments | 503 | 539 | 511 | 511 | 511 | 592.23 |
Net Income to Common | 23,686 | 23,442 | 22,462 | 20,969 | 12,492 | 8,705 |
Net Income Growth | 5.84% | 4.36% | 7.12% | 67.86% | 43.50% | 37.99% |
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 | - | - | - | - | 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 | 5.84% | 4.36% | 7.12% | 67.86% | 43.49% | 37.99% |
Additional Metrics
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 |
Dividend Per Share | 1.000 | 1.000 | 1.000 | 1.200 | 0.600 | 0.500 |
Dividend Growth | 0% | 0% | -16.67% | 100.00% | 20.00% | 25.00% |
Effective Tax Rate | 20.79% | 19.54% | 15.23% | 9.02% | 13.12% | 6.10% |