Loan books of major UAE banks grew in double-digit territory: 11% YoY for Emirates NBD; total banking credit at AED 1.73 trillion, up nearly 6% year-on-year.
Retail lending surged while corporate exposures remained dominant.
Liquidity improved with an LDR around 75%, alongside better asset quality and lower impairment charges.
Despite margin compression, profitability held up on strong fee income growth and cost efficiency.
Looking ahead, analysts expect loan growth drivers such as real estate demand, consumer finance, and corporate credit to remain strong—helped by supportive macro trends, rate cuts, and continued digital innovation.
