Annual Reports and Financial Statements

2023 Annual Report

The UAE economy and its banking sector demonstrated strength and resilience in 2023, delivering robust growth despite a challenging global economic backdrop.

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2022 Annual Report

The UAE economy grew strongly in 2022, helped by a recovery in tourism, population growth, a buoyant property market and a high oil price.

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2021 Annual Report

2021 has been the year of returning back to normality. The UAE economy enjoyed a strong finish to 2021, with Expo 2020 Dubai and increased tourism boosting domestic demand. Expo 2020 Dubai is proving to be a great success for the nation and, as a Premier Partner and the Official Banking Partner, we are using the event stage to showcase our pioneering vision for the future of global banking.

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2020 Annual Report

2020 has been a very challenging year. No one could have anticipated the level or the speed of disruption that COVID-19 brought to our personal and working lives.

Annual Report Financial Statements Pillar III Disclosures

2019 Annual Report

2019 was a strong year for Emirates NBD achieving a record net profit of AED 14.5 billion and total assets in excess of AED 683 billion. We are also delighted to welcome DenizBank into the Emirates NBD family, increasing the Bank’s presence to 13 countries, servicing over 14 million customers in the MENAT region.

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2018 Annual Report

Emirates NBD delivered an excellent performance in 2018, achieving a record annual net profit of AED 10 billion. The Bank achieved another milestone as total assets surpassed AED 500 billion for the first time. The Bank’s balance sheet remains healthy with a further strengthening in capital due to retained earnings, stable credit quality and liquidity. These results have enabled the Board of Directors to recommend a 2018 dividend of 40 fils per share.

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2017 Annual Report

Emirates NBD delivered a record set of results in 2017 as net profit increased by 15% to reach a new high of AED 8.35 billion. The operating performance was supported by higher income, lower expenses and an improved cost of risk. The Bank's commitment to digital innovation, including an AED 1 billion investment to accelerate its digital transformation, will further enhance the banking experience for its retail and wholesale customers, and reinforce Emirates NBD's reputation as the most innovative bank in the region.

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2016 Annual Report

2016 marked another successful year for Emirates NBD as the Bank continued to deliver improved profitability and a stronger balance sheet amid a challenging environment. 2016 also marked a year of digital innovation for Emirates NBD as the Bank made bold strides in advancing its digital banking capabilities.

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2015 Annual Report

2015 has been a remarkable year of innovation which closed on a high note with solid growth across business lines and impressive financial results. During the year, total assets crossed the US$ 100 billion mark and net profit surpassed AED 7.1 billion, reinforcing Emirates NBD's position of leadership in the regional banking industry.

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2014 Annual Report

2014 was an excellent year for Emirates NBD, marked by major achievements and a number of key milestones. The Bank had made significant contributions in taking Dubai closer to its vision of becoming the world capital of the Islamic economy.

Annual Report Financial Statements Pillar III Disclosures

2013 Annual Report

2013 was a special year for Emirates NBD, as it celebrated its 50th anniversary. As the first national bank in the UAE, our journey over the last 50 years reflects the wisdom of our leadership, the support of our shareholders, the loyalty of our customers, the diligence of our employees, and our strong proclamation of providing a service that excels in continuing to serve our economy and country.

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2012 Annual Report

Emirates NBD results for 2012 reflect a very positive operational performance and demonstrate the Bank's strength in solidifying its position as a leading financial institution in the region.

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2011 Annual Report

2011 reflects a positive and strong operational performance and demonstrates the strength and resilience of the bank. The bank successfully managed an improved its liquidity, reduced deposit funding costs and made significant progress in improving the deposit mix.

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2010 Annual Report

Emirates NBD continued with its prudent approach, taking steps to ensure we emerge strongly from the current economic environment. The success of our completed merger, the largest in the region, has proven our ability to capitalise on value adding opportunities for our shareholders.

Annual Report Financial Statements Pillar III Disclosures

2009 Annual Report

Our key focus in 2009 has been on managing cost efficiencies resulting from the ongoing rationalisation and the integration process. Emirates NBD has smoothly fulfilled the requirements of one of the largest and most complex merger processes while adhering to world class standards and adapting best international practices in the banking and finance industry.

Annual Report Financial Statements Pillar III Disclosures

2008 Annual Report

Our key focus in 2008 has been on preserving shareholder value and liquidity management. In an increasingly turbulent financial environment, Emirates NBD has performed well, delivering good profit growth.

Annual Report Financial Statements

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