Wio Bank reported robust financial performance for FY2025, driven by strong customer adoption and continued expansion of its digital banking platform across the United Arab Emirates.
In its third full year of operations, the bank recorded AED1.24 billion in revenue, marking a 55% year-on-year increase, while net profit rose 57% to AED622 million. The results reflect growing demand from individuals, businesses and families adopting Wio as their primary banking partner.
Balance Sheet Strength and Customer Growth
Wio’s total assets reached AED61 billion as of December 31, 2025, representing a 64% year-on-year increase, while customer deposits surpassed AED57 billion, up 66%.
The bank’s growth is supported by strategic shareholders including ADQ, Alpha Dhabi Holding, e& and First Abu Dhabi Bank (FAB).
Lending activity expanded significantly during the year, driven by increased demand for supply chain finance, term loans and an enhanced SME credit offering, positioning Wio as a full-service digital financial platform.
Expanding Business and Retail Offerings
Wio strengthened its position in the business banking segment, serving more than 120,000 businesses in the UAE. Its digital supply chain finance platform alone delivered over AED1 billion in financing in 2025.
On the retail side, more than 270,000 individuals chose Wio as their primary bank, with families emerging as a key growth segment.
In the fourth quarter, the bank launched Wio Family, a digital banking solution designed to help households manage spending, plan finances and build long-term savings. Within three months, more than 10,000 families adopted the platform.
Strategic Outlook and Innovation Focus
Mansour AlMulla, Chairman of Wio Bank, said the results reflect growing customer trust and the bank’s commitment to supporting the UAE’s digital economy.
Looking ahead, Wio plans to introduce an Islamic banking proposition in 2026, subject to regulatory approval, aimed at providing Shariah-compliant digital financial services.
The bank also intends to expand sector-specific solutions for industries including healthcare, education, food and beverage, trade and digital businesses, while enhancing platform integrations and data-driven capabilities.
AI and Future Growth Strategy
Wio is accelerating the adoption of Artificial Intelligence to deliver more personalised financial services, improve customer experience and support better financial decision-making.
The bank stated that its strategy for 2026 will focus on strengthening resilience, expanding innovative offerings and supporting long-term, sustainable growth across its customer base.
