Business

Invest Bank has announced its financial results for the nine-month period ended 30 September 2025, reporting a profit before tax of AED 102 million, underscoring solid performance across income streams, balance sheet growth, and strong recoveries.

Key Financial Highlights (as of 30 September 2025):

• Total assets: AED 13.4 billion (+24% YTD)

• Net loans and advances: AED 6.6 billion (+46% YTD)

• Customer deposits: AED 11.1 billion (+28% YTD) with a CASA ratio of 29.4% (FY’24: 26.6%)

• Operating income: AED 251.4 million (+21% YoY), driven by balanced growth in net interest and non-interest income

• Net interest income: AED 148.4 million (+16% YoY), supported by a 22% increase in balance sheet size, maintaining a net interest margin (NIM) of 1.6% despite a 100bps rate drop in H2’24

• Non-interest income: AED 103 million (+29% YoY) fueled by higher loan volumes, fee income, and increased foreign exchange & other income (+AED 10 million)

• Operating expenses: Up by AED 36 million (+18% YoY), reflecting continued investment in technology and talent

• Net recoveries: AED 83 million reported during the year, highlighting effective recovery strategies

• Capital adequacy ratio: 22.8% (Dec’24: 28.7%)

• Eligible liquid asset ratio: 21.4% (Dec’24: 15.6%)

• Advances to stable resources ratio: 70.5% (Dec’24: 68.8%)

• Reimbursement Asset (RA): AED 380 million received from the Government of Sharjah (GoS) under the Guarantee Agreement, reducing the balance to AED 1.7 billion (Dec’24: 2.1 billion)

Ratings Upgrade

Credit rating agency Capital Intelligence recently upgraded Invest Bank’s Core Financial Strength (CFS) rating to ‘b+’ from ‘b’, and its Bank Standalone Rating (BSR) to ‘bb’ from ‘bb-’. The Long-Term/Short-Term Foreign Currency Ratings (LT/SC FCR) were affirmed at BBB-/A3, with a ‘High’ Extraordinary Support Level (ESL). The outlook for both LT FCR and BSR remains ‘Stable’.

CEO’s Statement

Edris Al Rafi, Chief Executive Officer of Invest Bank, commented:

“Our nine-month results reflect the continued strength of our strategy and the solid progress we’re making in building a more diversified and resilient bank. We remain focused on expanding our core business, deepening customer relationships, and driving sustainable profitability across all segments.

On the retail side, we’ve strengthened our deposit portfolio through the launch of the ‘Earn Upfront’ Fixed Deposit campaign, which rewards customers with their full interest payment on Day One — a testament to our customer-first approach. In parallel, our integration with the CBUAE Aani platform enhances payment capabilities and further advances our digital agenda.”

Al Rafi emphasized that these initiatives demonstrate the bank’s commitment to innovation, operational excellence, and long-term value creation for customers, shareholders, and the broader UAE economy.

Outlook

Looking ahead, Invest Bank remains well-positioned for continued growth, supported by a solid capital base, prudent risk management, and robust liquidity. The bank plans to diversify its business mix while advancing digital transformation through enhanced mobile banking, innovative deposit solutions, and process modernization — aligning with the UAE’s evolving financial landscape.

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