CBUAE Reports Strong and Resilient UAE Financial System in 2025

UAE, 19 August, 2026:The Central Bank of the UAE (CBUAE) has released its Financial Stability Report 2025, highlighting the continued strength and resilience of the UAE’s financial and banking system.

The UAE banking sector’s total assets grew 17.1% to AED 5.3 trillion by the end of 2025, while loans increased by 17.8%, driven mainly by domestic lending to retail and private corporate sectors.

Asset quality also improved, with the non-performing loan ratio falling to 3.3%, compared with 4.7% in 2024. The banking system maintained a strong Capital Adequacy Ratio of 17%, well above regulatory requirements.

Banking sector profitability remained robust, with net profits rising 11.7% to AED 90.8 billion, supported by higher operating income and continued deposit growth.

The CBUAE’s 2025 stress tests also confirmed the sector’s resilience against severe economic and financial shocks, with capital levels remaining above minimum regulatory requirements even under adverse scenarios.

The report also highlighted continued developments in Islamic banking, insurance, digital payments and financial infrastructure, including Aani and Jaywan, supporting the UAE’s broader digital transformation and financial stability.