Emirates NBD holds market shares of 21.9% in terms of total assets, 27.1% in terms of loans and 23.4% in terms of deposits in the UAE banking sector. The bank's Digital Wealth platform has enhanced its value proposition, increasing Assets Under Management & Administration to over USD 100 billion. The bank's cost-to-income ratio consistently remained around 25%-28% between 2023 and Q3 2025, demonstrating operational efficiency advantages over peer average.
Cyborg Score Rationale
Record profitability in 2025 with AED 29.8 billion profit before tax, combined with market-leading efficiency metrics and strong capital position. Saudi expansion strategy delivered 48% lending growth in 2025. Diversified geographic footprint and strong digital capabilities support sustainable growth.
Top Insights
Achieved record AED 29.8 billion profit before tax in 2025 driven by strong volume growth across all segments
Cost-to-income ratio of 25%-28% consistently outperforms peer average, demonstrating operational excellence
Saudi Arabia expansion strategy accelerating with 48% lending growth in 2025
Digital Wealth platform pushing Assets Under Management & Administration above USD 100 billion
Named Competitors
First Abu Dhabi Bank — Leading UAE banking competitor