Emirates NBD Bank PJSC Ratios and Metrics

Market cap in millions AED. Fiscal year is January - December.

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 3, 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
Market Capitalization	205,288	175,916	135,490	109,276	82,115	85,589
Market Cap Growth	48.40%	29.84%	23.99%	33.08%	-4.06%	31.55%
Last Close Price	32.50	27.85	20.45	15.42	11.07	11.17
PE Ratio	8.75	7.50	6.03	5.21	6.57	9.83
PS Ratio	4.29	3.67	3.07	2.75	3.01	4.78
PB Ratio	1.42	1.22	1.07	0.99	0.88	1.02
P/FCF Ratio	-	-	-	-	-	2.00
P/OCF Ratio	-	-	-	-	-	1.98
Debt / Equity Ratio	0.88	0.88	0.84	0.89	0.88	0.96
Debt / FCF Ratio	-	-	-	-	-	1.87
Return on Equity (ROE)	17.71%	17.71%	19.48%	21.17%	14.71%	11.07%
Return on Assets (ROA)	2.22%	2.22%	2.48%	2.68%	1.82%	1.34%
Earnings Yield	11.42%	13.63%	16.96%	19.66%	15.83%	10.86%
FCF Yield	-67.71%	-79.02%	-20.43%	-58.32%	-12.90%	50.03%
Dividend Yield	3.03%	3.59%	4.89%	7.78%	5.42%	4.48%
Payout Ratio	28.56%	28.56%	35.19%	20.00%	28.19%	33.52%
Buyback Yield / Dilution	-	-	-	-	-0.01%	-
Total Shareholder Return	3.03%	3.59%	4.89%	7.78%	5.42%	4.48%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.