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    Banks - Regional
Emirates NBD Bank PJSC

Emirates NBD Bank PJSC

EMIRATESNBD.AE
Emirates NBD Bank PJSCAE flagDubai Financial Market
31.00
AED
+0.36
- -
195.81BMarket Cap
Emirates NBD Bank PJSC
EMIRATESNBD.AE
(Dubai Financial Market)

Recent

price

31.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
1.68
1.68
1.75
2.01
2.45
2.62
2.53
2.67
3.01
3.99
3.67
3.78
5.15
6.81
6.99
7.79
7.29
Revenue per Share
0.4
0.44
0.44
0.56
0.89
1.23
1.25
1.44
1.74
2.58
1.1
1.47
2.06
3.4
3.64
3.8
3.4
Basic EPS, GAAP
4.06
0.24
0.84
-0.68
1.48
0.89
0.13
0.93
-2.19
4.08
0.49
5.63
5.79
3.06
9.1
-3.02
3.93
Free Cash Flow per Basic Share
0.19
0.19
0.19
0.24
0.24
0.34
0.38
0.38
0.38
0.4
0.4
0.4
0.5
0.6
1.2
1
0.99
Dividend per Share
2.12
2.27
2.43
2.66
3.22
4
4.76
5.71
6.57
8.84
8.45
9.41
10.88
13.58
15.85
18.54
16.55
Book Value per Share
4.81
5.04
5.32
6.13
7.02
7.73
8.31
9.29
10.1
13.34
12.41
12.3
13.87
16.52
19.11
22.06
19.94
Tangible Book Value per Share
5,782
5,782
5,782
5,782
5,782
5,782
5,782
5,776
5,776
5,620
6,311
6,311
6,311
6,311
6,311
6,311
6,399
Basic Weighted Avg Shares
9,721
9,709
10,098
11,636
14,177
15,147
14,626
15,413
17,386
22,430
23,188
23,834
32,478
42,986
44,090
49,177
46,645
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
365
383
381
387
394
434
389
404
414
807
1,020
964
965
961
1,279
1,314
1,405
Depreciation Expense
2,340
2,531
2,554
3,256
5,139
7,123
7,239
8,345
10,040
14,503
6,960
9,298
13,003
21,480
22,973
23,981
21,728
Net Income, GAAP
0.88
1.03
0.59
1.25
2.45
1.99
2.01
1.29
1.27
2.62
6.26
6.1
10.87
9.02
15.23
19.54
18.59
Effective Tax Rate (%)
24.07
26.07
25.29
27.98
36.25
47.03
49.49
54.14
57.75
64.66
30.01
39.01
40.04
49.97
52.1
48.76
46.58
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
19,416
16,876
20,864
23,778
30,371
34,960
46,064
45,315
44,400
52,997
60,174
67,060
57,160
70,789
79,903
90,287
83,003
LT Debt
33,750
34,981
36,499
41,715
46,763
50,749
53,861
59,362
64,024
81,607
84,618
83,580
93,305
109,972
126,214
144,819
133,237
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
19.65
19.93
18.77
22.12
30.25
34.15
28.6
27.61
28.31
33.09
13.51
16.49
20.31
27.83
24.74
22.1
22.01
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6,317
6,317
6,317
Market Capitalization
137,167
129,173
145,900

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
239,251
242,412
279,029
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.31%
11.56%
14.74%
Free Cash Flow
87.99%
214.52%
-133.18%
Net Income, GAAP
17.96%
29.99%
4.39%
Sales/Revenue/Turnover
13.26%
17.1%
11.54%
Total Cash Common Dividend
- -
- -
-16.66%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10,634
10,714
11,500
11,254
44,090
2025
11,828
12,063
12,529
- -
49,177
2026
14,388
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.06
1.1
0.81
- -
3.64
2025
0.98
0.98
- -
- -
3.8
2026
1.01
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.2
- -
- -
- -
1.2
2025
1
- -
- -
- -
1
2026
1
- -
- -
- -
- -
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Business
Emirates NBD Bank PJSC (EMIRATESNBD.AE) is a leading banking group in the Middle East, North Africa and Türkiye (MENAT) region that provides a comprehensive range of financial services to individuals, businesses, governments and institutions; its core offerings include retail banking products such as loans, deposits, mortgages, credit cards and consumer financing; private banking and wealth management services; corporate and institutional banking encompassing current and savings accounts, overdrafts, trade finance, term loans and investment banking; Islamic banking products; global markets and treasury operations including investment portfolio management, funds management, interbank treasury and structured financing; asset management; equity broking; and brokerage services. The bank operates its lifestyle digital bank Liv., which serves nearly half a million users and facilitates 97% of transactions outside branches. Founded in 1963 as the National Bank of Dubai and formed through the 2007 merger with Emirates Bank International, Emirates NBD is headquartered in Dubai, United Arab Emirates, and maintains operations across 13 countries including the UAE, Egypt, India, Türkiye, Saudi Arabia, Singapore, the UK, Austria, Germany, Russia and Bahrain, with 826 branches and over 4,500 ATMs. In recent developments, the bank completed the acquisition of Emirates Islamic Bank in June 2025 to bolster its Sharia-compliant offerings; announced plans in October 2025 to acquire a majority stake in India's RBL Bank through a USD 3 billion primary infusion; deepened partnerships with Nium for real-time cross-border payouts, BlackRock for wealth management and Mastercard for digital payments; expanded in Saudi Arabia with 57% loan growth in 2024 and received approval for new branches in India; and increased financing facilities such as boosting Dar Global's debt line to USD 440 million in August 2025. The group reported total assets of AED 1.086 trillion as of June 2025 and serves over 9 million active customers.