Mashreq Bank has announced impressive results for the 2025 fiscal year, marked by strategic international expansion, record growth in loans and deposits, and a reaffirmation of its role as a key banking hub connecting trade routes across Asia, the Middle East, Europe, and North America. The bank reported a pre-tax profit of 8.3 billion dirhams for 2025, with a post-tax profit of 7 billion dirhams. This performance highlights the bank’s ability to capitalize on its extensive and diverse business operations while maintaining operational discipline to achieve strong profitability, despite the implementation of corporate income tax.
Operational income for the bank reached 12.6 billion dirhams in 2025, reflecting a 3% year-on-year growth, excluding exceptional gains from the partial sale of a stake in IDFAA in 2024. This growth was supported by an increase in loan volumes and enhanced income contributions across various sectors of Mashreq.
The return on equity remained robust at 20%, with a return on assets of 2.3%, affirming Mashreq’s capability to deliver high-quality returns through disciplined capital usage, stable margins, and a diverse income base.
Provisions for impairment were kept low at 444 million dirhams, equating to a credit cost of 27 basis points, indicating strong portfolio performance and credit discipline across different geographical areas, despite rapid loan growth.
Chairman Abd Aziz Al Ghurair stated that Mashreq Bank continued its path in 2025 by demonstrating resilience, controlled growth, and unwavering commitment to its mission as a reliable facilitator of cross-border financial advancement. During a year filled with global market challenges and a shift towards a primarily digital economy, Mashreq achieved a strong performance with pre-tax profits of 8.3 billion dirhams.
He added that this outcome reflects the strength of the bank’s strategic approach, the steadfast confidence of its clients, and the vital role it plays within the evolving financial landscape of the UAE. Furthermore, recognition from the Central Bank of the UAE as a systemically important local bank is both an honor and a responsibility, reinforcing its position as a core pillar in the nation’s ongoing development as a regional and international financial center.
As we look ahead, we remain committed to advancing innovation, expanding our international presence, and deeply integrating sustainability into our long-term strategic agenda. With a solid foundation and an ambitious vision for the future, Mashreq will continue to support and empower clients, communities, and economies through comprehensive, human-centered, technology-based banking solutions.
Ahmed Abd Al-Aal, the CEO of Mashreq Group, remarked that 2025 marked a pivotal moment in the bank’s journey as a digitally advanced, globally connected institution serving clients along some of the world’s most vital trade and investment corridors. Throughout a year of continuous transformation and growth, we achieved operational revenues of 12.6 billion dirhams, expanded our total assets by 25% to reach 335 billion dirhams, and delivered a 20% return on equity, all while maintaining a cost-to-income ratio of 31%, among the best in the sector.
This performance illustrates our ability to strategically expand, retain flexibility in a changing economic environment, and provide value through a diversified business model. Our expansion into strategic markets such as Turkey, India, Egypt, and the United States, alongside the launch of a fully digital bank in Pakistan and the development of digital banking platforms, has enabled us to serve clients across individual, small and medium enterprise, and corporate sectors swiftly, harmoniously, and effectively.