Mashreq delivered a strong full-year performance in 2025, supported by international expansion, balance-sheet growth, and disciplined execution across its franchises.
Earnings and balance-sheet growth
Operating income reached AED12.6 billion in 2025, rising 3% year-on-year on an adjusted basis. Moreover, net profit before tax climbed to AED8.3 billion, while net profit after tax stood at AED7.0 billion, despite the introduction of corporate income tax. Additionally, customer loans expanded by 32% and deposits increased by 27%, thereby lifting total assets by 25% to AED335 billion. As a result, the bank continued to benefit from higher trade and capital flows across key corridors.
Efficiency and asset quality
Mashreq maintained a cost-to-income ratio of 31%. Furthermore, a CASA ratio of 62% supported a strong funding profile. Asset quality also remained robust, with a non-performing loan ratio of 1.0% and coverage of 263%.
Strategy and outlook
The bank was designated a Domestic Systemically Important Bank by the Central Bank of the UAE. “As we reflect on 2025, Mashreq’s progress is defined by resilience, disciplined growth, and a clear commitment to our purpose as a trusted enabler of financial advancement across borders…,” said Abdul Aziz Al Ghurair. Moreover, Ahmed Abdelaal noted: “2025 marked another pivotal year in Mashreq’s journey as a digitally advanced, globally connected bank…”.
