by Vishal Vibin
BETA v2.0
UAE Banking Intelligence Hub60 banks

Research-Grade
Banking Intelligence

Built from official disclosures, filings, and market sources — with Reported, Derived, Estimated, and Indicative labels.

Data as of: FY 2025 annual results · Q1 2026 (8 banks reported, 14 pending)
Sector Profit
AED 93.2B
22 banks shown
Total Assets
AED 5098B
As of 31 Dec 2025
Total Deposits
AED 3366B
Customer deposits
Avg ROE
13.3%
FY 2025
Avg NPL
2.89%
Asset quality
Sort:
01
EMI
Emirates NBD✓ Reported
Conventional · Dubai · DFM · FY2025 audited
Source: Press release Jan 26, 2026 + Q4 2025 financial statements
AED 24.0B
▲ 4.0% YoY
Net Profit✓ Reported
AED 24.0B
Prior Year✓ Reported
AED 23.0B
Op. Income✓ Reported
AED 49.3B
ROE✓ Reported
21%
ROAΣ Derived
2.06%
02
FIR
First Abu Dhabi Bank✓ Reported
Conventional · Abu Dhabi · ADX · FY2025 audited
Source: Press release Jan 28, 2026 + investor presentation
AED 21.1B
▲ 24.0% YoY
Net Profit✓ Reported
AED 21.1B
Prior Year✓ Reported
AED 17.0B
Op. Income✓ Reported
AED 36.7B
ROE✓ Reported
19.2%
ROAΣ Derived
1.50%
03
ADC
ADCB✓ Reported
Conventional · Abu Dhabi · ADX · FY2025 audited
Source: ADX Q4 2025 MD&A filing + press release Jan 29, 2026
AED 11.4B
▲ 22.0% YoY
Net Profit✓ Reported
AED 11.4B
Prior Year✓ Reported
AED 9.4B
Op. Income✓ Reported
AED 21.6B
ROE✓ Reported
15.3%
ROAΣ Derived
1.48%
04
DUB
Dubai Islamic Bank✓ Reported
Islamic · Dubai · DFM · FY2025 audited
Source: 2025 Annual Report (MarketScreener Feb 2026) + Q3 2025 disclosures
AED 7.8B
▲ 8.0% YoY
Net Profit✓ Reported
AED 7.8B
Prior Year✓ Reported
AED 7.2B
Op. Income✓ Reported
AED 13.3B
ROE✓ Reported
22%
ROAΣ Derived
1.88%
05
ABU
Abu Dhabi Islamic Bank✓ Reported
Islamic · Abu Dhabi · ADX · FY2025 audited
Source: Q4 2025 MD&A PDF + Zawya Jan 21, 2026
AED 7.1B
▲ 16.0% YoY
Net Profit✓ Reported
AED 7.1B
Prior Year✓ Reported
AED 6.1B
Op. Income✓ Reported
AED 12.3B
ROE✓ Reported
29%
ROAΣ Derived
2.53%
06
MAS
Mashreq✓ Reported
Conventional · Dubai · DFM · FY2025 audited
Source: Press release Jan 27, 2026 + 9M 2025 MD&A
AED 7.0B
▼ 20.0% YoY
Net Profit✓ Reported
AED 7.0B
Prior Year✓ Reported
AED 8.8B
Op. Income✓ Reported
AED 12.6B
ROE✓ Reported
20%
ROAΣ Derived
2.09%
07
EMI
Emirates Islamic✓ Reported
Islamic · Dubai · ENBD subsidiary · FY2025 audited
Source: Annual report (ENBD group)
AED 3.4B
▲ 17.0% YoY
Net Profit✓ Reported
AED 3.4B
Prior Year✓ Reported
AED 2.9B
Op. Income✓ Reported
AED 4.50B
ROE✓ Reported
22%
ROAΣ Derived
3.40%
08
DUB
Commercial Bank of Dubai✓ Reported
Conventional · Dubai · DFM · FY2025 audited
Source: Annual report
AED 2.8B
▲ 12.0% YoY
Net Profit✓ Reported
AED 2.8B
Prior Year✓ Reported
AED 2.5B
Op. Income✓ Reported
AED 4.80B
ROE✓ Reported
22%
ROAΣ Derived
2.33%
09
RAK
RAKBANK✓ Reported
Conventional · Ras Al Khaimah · ADX · FY2025 audited
Source: Press release Jan 27, 2026
AED 2.6B
▲ 26.0% YoY
Net Profit✓ Reported
AED 2.6B
Prior Year✓ Reported
AED 2.1B
Op. Income✓ Reported
AED 5.20B
ROE✓ Reported
22.1%
ROAΣ Derived
2.48%
10
SHA
Sharjah Islamic Bank✓ Reported
Islamic · Sharjah · ADX · FY2025 audited
Source: Annual report
AED 1.3B
▲ 26.0% YoY
Net Profit✓ Reported
AED 1.3B
Prior Year✓ Reported
AED 1.1B
Op. Income✓ Reported
AED 3.00B
ROE✓ Reported
17%
ROAΣ Derived
1.47%
11
NAT
National Bank of Fujairah✓ Reported
Conventional · Fujairah · ADX · FY2025 audited
Source: NBF press release Jan 28, 2026 + ADX filing
AED 1.2B
▲ 42.0% YoY
Net Profit✓ Reported
AED 1.2B
Prior Year✓ Reported
AED 850M
Op. Income✓ Reported
AED 2.80B
ROE✓ Reported
14%
ROAΣ Derived
1.85%
12
SHA
Bank of Sharjah✓ Reported
Conventional · Sharjah · ADX · FY2025 audited
Source: Annual report
AED 730M
▲ 89.0% YoY
Net Profit✓ Reported
AED 730M
Prior Year✓ Reported
AED 390M
Op. Income✓ Reported
AED 1.30B
ROE✓ Reported
10%
ROAΣ Derived
1.82%
13
NAT
National Bank of Umm Al Qaiwain⚠ Estimated
Conventional · Umm Al Quwain · ADX · Estimated from 9M 2025
Source: 9M filing annualized
AED 620M
▲ 17.0% YoY
Net Profit⚠ Estimated
AED 620M
Prior Year✓ Reported
AED 530M
Op. Income⚠ Estimated
AED 950M
ROE✓ Reported
10%
ROAΣ Derived
2.70%
14
WIO
Wio Bank✓ Reported
Digital · Abu Dhabi · Private · FY2025 reported
Source: Company disclosures
AED 620M
▲ 57.0% YoY
Net Profit✓ Reported
AED 620M
Prior Year✓ Reported
AED 400M
Op. Income✓ Reported
AED 1.21B
ROE✓ Reported
0%
ROAΣ Derived
1.02%
15
AJM
Ajman Bank✓ Reported
Islamic · Ajman · DFM · FY2025 audited
Source: Annual report + AGM filing
AED 500M
▲ 25.0% YoY
Net Profit✓ Reported
AED 500M
Prior Year✓ Reported
AED 400M
Op. Income✓ Reported
AED 1.42B
ROE✓ Reported
15.6%
ROAΣ Derived
1.52%
16
UNI
United Arab Bank⚠ Estimated
Conventional · Sharjah · ADX · Estimated from 9M 2025
Source: 9M filing annualized
AED 420M
▲ 49.0% YoY
Net Profit⚠ Estimated
AED 420M
Prior Year✓ Reported
AED 280M
Op. Income⚠ Estimated
AED 1.05B
ROE✓ Reported
15.6%
ROAΣ Derived
1.62%
17
INT
Commercial Bank International✓ Reported
Conventional · Dubai · ADX · FY2025 audited
Source: Annual report
AED 300M
▲ 40.0% YoY
Net Profit✓ Reported
AED 300M
Prior Year✓ Reported
AED 210M
Op. Income✓ Reported
AED 850M
ROE✓ Reported
12%
ROAΣ Derived
1.36%
18
INV
InvestBank⚠ Estimated
Conventional · Sharjah · Private · Estimated FY2025
Source: Prior trends + limited disclosure
AED 120M
▲ 20.0% YoY
Net Profit⚠ Estimated
AED 120M
Prior Year✓ Reported
AED 100M
Op. Income⚠ Estimated
AED 400M
ROE✓ Reported
6%
ROAΣ Derived
1.00%
19
ARA
Arab Bank for Inv. & Foreign Trade⚠ Estimated
Conventional · Abu Dhabi · Private · Estimated FY2025
Source: Limited public disclosure
AED 100M
▲ 25.0% YoY
Net Profit⚠ Estimated
AED 100M
Prior Year✓ Reported
AED 80M
Op. Income⚠ Estimated
AED 280M
ROE✓ Reported
0%
ROAΣ Derived
1.25%
20
EMI
Emirates Investment Bank⚠ Estimated
Conventional · Dubai · Private · Estimated FY2025
Source: Limited public disclosure
AED 50M
▲ 25.0% YoY
Net Profit⚠ Estimated
AED 50M
Prior Year✓ Reported
AED 40M
Op. Income⚠ Estimated
AED 150M
ROE✓ Reported
0%
ROAΣ Derived
1.25%
21
ZAN
Zand Bank⚠ Estimated
Digital · Dubai · Private · Early stage
Source: Limited disclosure
—
Net Profit⚠ Estimated
—
Prior Year✓ Reported
—
Op. Income⚠ Estimated
AED 80M
ROE✓ Reported
0%
ROAΣ Derived
0.00%
22
AL
Al Hilal Bank✓ Reported
Islamic · Abu Dhabi · ADCB subsidiary · FY2025 audited
Source: Al Hilal Bank FY2025 press release summary table
(AED 19M)
Net Profit✓ Reported
(AED 19M)
Prior Year✓ Reported
AED NaNM
Op. Income✓ Reported
AED 380M
ROE✓ Reported
undefined%
ROAΣ Derived
-0.18%

Sources: Bank annual reports, ADX/DFM filings, investor presentations, FAB Research, A&M UAE Banking Pulse. Q1 2026 figures from press releases issued Apr 14–24, 2026. Metrics labeled Σ Derived are calculated from disclosed figures. ⚠ Estimated are inferred from partial-period filings.

CBUAE Register (June 2025) · FY 2025 bank filings · Data indicative — verify with your bank
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