Emirates Islamic Annual Reports

2025 Annual Report

We strengthened our commitment to progress that serves people, builds communities and creates lasting value. Guided by purpose and powered by innovation, our actions reflected a clear focus on sustainable prosperity for our customers, the economy and the future.

2024 Annual Report

For two decades, Emirates Islamic has charted a remarkable journey of purpose-powered progress. Guided by a vision to transform Islamic banking, the Bank has emerged as a leader and trailblazer, driving excellence across its approach to its customers, employees and the communities it serves.

2023 Annual Report

We are enormously proud of our financial achievements in 2023, a year where Emirates Islamic has emphatically confirmed its status as one of the UAE’s leading Shariah-compliant banks.

2022 Annual Report

Emirates Islamic delivered its highest ever net profit of AED 1.24 billion in 2022, marking a significant 51% increase compared to 2021. The bank reported a 36% increase in operating profit, coupled with an improvement in cost of risk compared to the previous year.

2021 Annual Report

Emirates Islamic has again reaffirmed its position as a leading financial institution in the UAE as evidenced by our strong financial performance. We are delighted to announce a strong set of financial results with Emirates Islamic delivering a net profit of AED 823 million for 2021.

2020 Annual Report

In 2020 Emirates Islamic played its part in supporting customers and the economy by providing financial assistance as well as actively participating in community initiatives. Despite challenging market condition due to low profit rate environment coupled with global pandemic, Emirates Islamic continued to maintain healthy liquidity and capital, demonstrating our resiliency in navigating through the crisis.

2019 Annual Report

2019 marked another successful year for Emirates Islamic, with the Bank reporting net profit of AED 1.06 billion, a 15% increase from the previous year.

2018 Annual Report

Emirates Islamic further cemented its position as a leading financial institution in the UAE in 2018 by playing an instrumental role in the development of the overall Islamic finance sector. We delivered strong results for the year, demonstrated with a 32% increase in net profit to AED 924 million.

2017 Annual Report

In 2017, Emirates Islamic continued to assert its position as a leading financial institution in the UAE, making a solid contribution to the development of the overall Islamic finance sector. We delivered strong results for the year, demonstrated with a six-fold increase in net profit to AED 702 million.

2016 Annual Report

Despite global and regional economic challenges, Emirates Islamic reported robust growth, with a year on year increase in total income. The Bank continued to deliver on its commitment of a customer-first experience, resulting in a 5 per cent increase in deposits and a greater demand for our product and service offerings with total assets increasing by 11 per cent.

2015 Annual Report

Despite challenging market conditions, Emirates Islamic achieved a net profit of AED 641 million, a 76% year-on-year increase. The Bank's total net income (net of customers' share of profit) during 2015 rose to AED 2.43 billion, up 25% compared to AED 1.95 billion last year.

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2014 Annual Report

At Emirates Islamic, we are proud to be part of the nation's growth and have announced impressive results for 2014 - with net profits reaching AED 364 million, a 161 per cent increase compared to 2013. The Bank's total net income (net of customer's share of profit) for 2014 rose to AED 1.95 billion, up 28 per cent from the same period last year.

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2013 Annual Report

2013 was another prosperous year for the UAE economy and the banking sector. Beside the strong growth of GDP at 4%, we have seen the economy further diversify with a strong trade, tourism and logistics sector performance, let alone the strong recovery in the real estate sector; all signaling the increased "healthy" outlook for the economy overall and the banking sector in particular.

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2012 Annual Report

2012 has seen Emirates Islamic Bank grow its presence in the UAE to over 48 branches and over 100 ATMs and CDMs, to become the sixth largest bank in the country by footprint. Total income of the bank has also seen a solid increase of over 15 percent to become AED 1,344 million.

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