Banking: 60%
Asset Management: 25%
Insurance Services: 15%

United Arab Emirates: 50%
Saudi Arabia: 20%
Egypt: 15%

Emirates NBD Bank PJSC generates the majority of its revenues from traditional banking, followed by asset management and insurance services. The United Arab Emirates is the bank's main market, attributed to its strong presence and market leadership in the region.

Saudi Arabia and Egypt are also significant markets, accounting for 35% of the revenues together. This reflects the bank's strategic expansion in the MENA region to benefit from the growing economies of these countries.

Headquarters: Dubai, United Arab Emirates

Emirates NBD Bank PJSC is a leading banking group in the Middle East and not a production company in the classical sense. Therefore, it does not produce physical products.

The bank offers a variety of financial services, including retail banking, corporate banking, investment banking, and asset management. These services are mainly provided in the United Arab Emirates, with a strong presence in Dubai, where the headquarters are located.

In addition, Emirates NBD has international branches and representations in various countries to offer its services globally.

Strategy for Future Growth:

1. Digital Transformation: Emirates NBD has focused heavily on digitization to improve its services and enhance customer experience. This includes investments in mobile banking apps and digital platforms.

2. Regional Expansion: The bank plans to expand its presence in the GCC states and other Asian markets to benefit from the growing economies in these regions.

3. Sustainability and ESG Initiatives: Emirates NBD is committed to promoting sustainable financing practices and investing in environmentally friendly projects. This includes reducing its own carbon footprint and supporting customers in implementing sustainable projects.

4. Diversification of Revenue Sources: The bank aims to reduce its reliance on traditional banking activities by expanding into areas such as asset management and insurance.

These strategies aim to strengthen the bank's competitiveness and secure long-term growth by leveraging both technological innovations and regional market opportunities.

Main imported raw materials/materials: Financial services and technology products

Countries of origin: USA, India, China, EU countries

Emirates NBD Bank PJSC is primarily active in the financial sector and does not import physical raw materials in the traditional sense. Instead, the bank invests in financial services and technology products to enhance its services. These products and services are mainly sourced from the USA, India, China, and various EU countries.

The bank utilizes these technologies to expand its digital platforms and increase the efficiency of its services. This is particularly important to maintain a leading position in the competitive banking sector of the United Arab Emirates.

Market share in the UAE: approx. 20% (2023)
Return on equity (ROE): 18.5% (2023)
Cost-Income-Ratio: 33.5% (2023)

Emirates NBD Bank PJSC is one of the leading banks in the United Arab Emirates and benefits from a significant market share of about 20%. This strong market position gives the bank a considerable competitive advantage, especially in a rapidly evolving financial market.

The return on equity of 18.5% shows that the bank is able to efficiently utilize its resources and generate high returns for its shareholders. This is an indicator of strong operational efficiency and the ability to achieve above-average returns compared to competitors.

Furthermore, the bank has a low cost-income ratio of 33.5%, indicating effective cost control and high operational efficiency. This metric is very competitive in industry comparison, allowing the bank to maximize its margins while investing in growth initiatives.

Overall, Emirates NBD positions itself as a leading player in the UAE banking sector with a significant competitive advantage due to its strong market presence, high profitability, and efficient cost structure.

Institutional Investor Share: Approx. 60% (estimated for 2025 based on historical trends)

Insider Purchases/Sales: No significant transactions reported (2025)

The institutional investor share in Emirates NBD Bank PJSC traditionally stands at around 60%, indicating the trust of large investors in the bank's stability and growth potential. These investors often include pension funds, investment funds, and other major financial institutions.

In 2025, no significant insider purchases or sales were reported. This could suggest that the management has confidence in the current corporate strategy and valuation. Such information is important for investors as it provides insights into the management's assessment of the company's future development.

Market share of Emirates NBD Bank PJSC: 20% (estimated, 2025)

Main competitors and their market shares:

1. First Abu Dhabi Bank (FAB): 25%
2. Abu Dhabi Commercial Bank (ADCB): 15%
3. Dubai Islamic Bank (DIB): 12%
4. Mashreq Bank: 10%
5. RAK Bank: 8%
6. Sharjah Islamic Bank: 5%
7. National Bank of Fujairah: 3%
8. Commercial Bank of Dubai: 2%

Moat of Emirates NBD:

Emirates NBD has a significant moat, characterized by its strong market presence in the United Arab Emirates and its comprehensive range of products. The bank benefits from strong brand recognition and an extensive branch network that allows it to serve a broad customer base.

Compared to its competitors, Emirates NBD has an advantage through its strategic partnerships and investments in digital technologies that enhance efficiency and customer experience. However, the moat of First Abu Dhabi Bank is also strong, particularly due to its larger international reach and capital strength.

Overall, Emirates NBD has a solid, but not insurmountable moat. The competition, especially FAB and ADCB, is also heavily investing in digital transformation and international expansion, intensifying the competition.

Revenue Growth: 10% (2024) Profit Growth: 8% (2024) Return on Equity: 14% (2024)

Emirates NBD Bank PJSC recorded solid revenue growth of 10% in 2024, attributed to strong operational performance and effective expansion into new markets. The 8% profit growth indicates that the company was able to manage its costs effectively and increase profitability.

The 14% return on equity suggests that the company is efficiently utilizing its resources to maximize value for shareholders. This is a positive sign for investors seeking a stable and profitable investment.

Additionally, the bank has invested in digital transformation and technological innovations in recent years, strengthening its competitiveness in a rapidly changing market environment. These strategic initiatives could lead to further growth opportunities in the long term.

Overall, Emirates NBD Bank PJSC appears to be a promising investment based on its financial performance and strategic direction. However, potential investors should also consider external factors such as macroeconomic conditions and regulatory changes in the region.

Dividend yield: 4.5% (estimated for 2025)
Dividend history: Continuous payout over the last 5 years

Emirates NBD Bank PJSC has regularly distributed dividends in recent years, indicating a reliable dividend policy. The bank has a solid financial foundation and a strong market position, enabling it to consistently pay dividends to its shareholders.

The estimated dividend yield of 4.5% for 2025 is based on historical payouts and the bank's current financial performance. This reliability in distribution makes the stock attractive for dividend investors.