Annual Report

Beyond vision:
Growing to global excellence

Shaping the Future with purpose

In a year marked by change, our mission to enable informed financial decisions remained unwavering. We focused on enhancing access, transparency, and trust — ensuring that every interaction empowers better financial wellbeing. Latest financial results

FY25 Annual Report

31 Jan 2026

Our business

Powering progress through innovative banking

As one of the UAE’s most forward thinking financial institutions, Mashreq has built a legacy of innovation, resilience, and excellence for over five decades.

Corporate and Investment Banking

Resilient growth through 
stronger client engagement

We delivered a resilient performance supported by strong corporate lending, increased trade finance activity and disciplined risk management. Growth was driven by deeper client engagement across priority sectors and continued focus on capital efficiency.

Retail Banking

Solid momentum from risking customers and digital uptake

Retail Banking delivered solid growth with higher customer acquisition, strong card usage and increased digital adoption. Product performance remained healthy across deposits, lending and daily banking services.

Treasury and Global Markets

Stable results enabled by effective balance-sheet control

Treasury performance remained stable, underpinned by prudent balance sheet management and effective interest rate positioning. Liquidity levels remained strong throughout the year with a disciplined approach to risk.

International Banking

Expanding reach with stronger market contributions

Our international operations continued to expand, with increased contribution from key markets and growing cross border client activity. The focus remains on strengthening presence in high growth regions and deepening sector relationships.

View reports 2025

Annual report

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Sustainability report

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Financial report

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Integrated report

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