EMIRATES NBD-

EmiratesNBD reported a 23% y-o-y rise in net income to AED 6.4 bn in 3Q 2025, according to its financial statements (pdf). Total income climbed 11% y-o-y to AED 12.7 bn, with net interest income and income from Islamic financing and investment products together rising 6% y-o-y to AED 9.0 bn.

The result came in ahead of analysts’ forecasts, with Emirates NBD’s bottom line exceeding mean estimates of AED 5.5 bn compiled by LSEG, Reuters reports.

Net income remained largely flat on a 9M basis, coming in at AED 19 bn. Total income, on the other hand, saw a 12% y-o-y uptick to AED 36.7 bn on the back of strong loan growth, helping offset the effect of rate cuts.

Driving the growth: Emirates NBD’s earnings momentum was driven by sustained loan growth from both international and domestic markets, and a strong deposit mix, especially from low-cost current and savings accounts, according to a separate earnings release (pdf). Lending was particularly strong in Saudi Arabia, helping the bank’s loan book expand by 19% to AED 99 bn.

Looking ahead, the bank expects to complete its acquisition of a 60% stake in India’s RBL Bank by 2Q 2026, pending approvals. It also revised its full-year loan growth guidance up to the early 20% range, citing continued strong demand.

EMIRATES ISLAMIC-

EmiratesIslamic reported a 2.1% increase in net income to AED 853 mn in 3Q 2025, according to its financials (pdf) and press release (pdf). Total operating income rose 9.7% y-o-y to AED 1.5 bn, supported by higher net income from financing receivables and investment products, which climbed 7.1% to AED 1.2 bn.

On a nine-month basis, the bank delivered a net income of AED 2.7 bn, up 9% y-o-y, driven by broad-based growth across both funded and non-funded income. Operating income rose 9% y-o-y to AED 4.5 bn, with net income from financing receivables and investment products increasing 6.5% to AED 3.4 bn.

BANK OF SHARJAH-

Bank of Sharjah’s third quarter net income rose 33.4% y-o-y to AED 166.3 mn, with operating income up 37.8% to AED 259.4 mn as income from net interest and exchange rose, according to its financials (pdf).

For the nine-month period, the bank’s net income rose 47% y-o-y to AED 435 mn, driven by an uptick in loans and fixed income investments and a dip in funding costs, according to a separate earnings release (pdf). Operating income climbed 46.1% to AED 713 mn, supported by higher net interest income, which surged 60.1% y-o-y to AED 514 mn.

DU-

Emirati telco du reported a 1.8% y-o-y rise in net income after tax to AED 732.1 mn in 3Q 2025, according to its financials (pdf). Revenues increased 7.9% to AED 3.9 bn, driven by continued growth across its mobile, fixed, and ICT segments, according to a separate earnings release (pdf). Mobile revenues climbed 8.4% y-o-y to AED 1.8 bn, while fixed-line revenues rose 8.9% to AED 1.1 bn, supported by expanding customer bases and stronger demand for high-speed connectivity.

For 9M 2025, du’s net income grew 14.6% y-o-y to AED 2.2 bn, while total revenues rose 8% to AED 11.6 bn. The company said it remains on track to achieve full-year revenue growth of 6-8% as it continues scaling its digital and AI-driven services, including the launch of its AI Park ecosystem.

EMIRATES DRIVING COMPANY-

EmiratesDriving Company reported a 29.1% rise in net income to AED 113 mn in 3Q 2025, supported by the acquisition of a new subsidiary, geographic expansion, and higher student enrollments, according to its financials (pdf) and a separate earnings release (pdf). In July, the firm acquired 22.5% of Mwasalat Holding, following a takeover of 51% of Excellence Premier Investment the previous year. Revenues for the period were up 29.5% to AED 209.3 mn. During 9M, net income rose 31% y-o-y to AED 271.9 mn, supported by a 67% surge in revenue to AED 562.7 mn.

AJMAN BANK-

Ajman Bank reported an 82.3% y-o-y increase in net income to AED 134.9 mn in 3Q 2025, according to its financials (pdf). Net operating income rose 38.6% y-o-y to AED 260.4 mn during the quarter, supported by an uptick in income from Islamic investment securities, and from fees and commissions.

For 9M 2025, net income climbed 31% y-o-y to AED 380 mn, while net operating income grew 7.1% to AED 660 mn. The bank attributed its performance to robust financing activity, strong core operations performance, disciplined balance sheet management, and ongoing digital transformation initiatives aimed at enhancing operational efficiency, according to a separate earnings release (pdf).

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