{"version":"1","article":{"id":"emirates-nbd-9m-2026-results","slug":"emirates-nbd-9m-2026-results","language":"es","url":"https://haberpaper.com/es/news/emirates-nbd-9m-2026-results","api_url":"https://haberpaper.com/api/v1/articles/emirates-nbd-9m-2026-results?lang=es","title":"El beneficio antes de impuestos de Emirates NBD sube un 4% a AED24.300 millones en nueve meses","summary":"Los ingresos aumentaron un 15% a AED42.200 millones con el avance de préstamos y depósitos; provisiones e hiperinflación moderaron el beneficio.","category":"finance","region":"world","topics":[],"published_at":"2026-10-22T05:34:35+03:00","modified_at":"2026-10-22T18:32:41+00:00","publication_basis":"publication-record","event_period":"2026-10-21","event_period_basis":"event-or-reference-period","sources":[{"name":"Emirates NBD","url":"https://www.emiratesnbd.com/en/media-center/emirates-nbd-q3-2026-results-announcement","publishedAt":"2026-10-21","checkedAt":"2026-10-22"}],"translations":[{"language":"tr","url":"https://haberpaper.com/tr/news/emirates-nbd-9m-2026-results","api_url":"https://haberpaper.com/api/v1/articles/emirates-nbd-9m-2026-results?lang=tr"},{"language":"en","url":"https://haberpaper.com/en/news/emirates-nbd-9m-2026-results","api_url":"https://haberpaper.com/api/v1/articles/emirates-nbd-9m-2026-results?lang=en"},{"language":"ar","url":"https://haberpaper.com/ar/news/emirates-nbd-9m-2026-results","api_url":"https://haberpaper.com/api/v1/articles/emirates-nbd-9m-2026-results?lang=ar"},{"language":"fr","url":"https://haberpaper.com/fr/news/emirates-nbd-9m-2026-results","api_url":"https://haberpaper.com/api/v1/articles/emirates-nbd-9m-2026-results?lang=fr"},{"language":"es","url":"https://haberpaper.com/es/news/emirates-nbd-9m-2026-results","api_url":"https://haberpaper.com/api/v1/articles/emirates-nbd-9m-2026-results?lang=es"}],"data_types":["metrics"],"relationships":{"entities":[{"id":"emirates-nbd","type":"organization","name":"Emirates NBD","name_language":"en","collection_url":"https://haberpaper.com/es/entity/organization:emirates-nbd","evidence":{"source_url":"https://www.emiratesnbd.com/en/media-center/emirates-nbd-q3-2026-results-announcement","text":"Emirates NBD nine-month pretax profit rises 4% to AED24.3 billion","language":"en"}},{"id":"rbl-bank","type":"organization","name":"RBL Bank","name_language":"en","collection_url":"https://haberpaper.com/es/entity/organization:rbl-bank","evidence":{"source_url":"https://www.emiratesnbd.com/en/media-center/emirates-nbd-q3-2026-results-announcement","text":"The bank said loan growth included its June acquisition of RBL Bank; excluding RBL, loans increased 18% year to date","language":"en"}}],"event":null,"contextual_links":[],"timeline":[{"id":"uae-dewa-emirates-nbd-virtual-iban-mou-2026","url":"https://haberpaper.com/es/news/uae-dewa-emirates-nbd-virtual-iban-mou-2026","language":"es","title":"DEWA y Emirates NBD firman un memorando sobre IBAN virtuales","event_period":"2026-10","event_period_basis":"source-review","published_at":"2026-10-23T14:13:13+03:00","relationship_basis":"entity"},{"id":"emirates-nbd-9m-2026-results","url":"https://haberpaper.com/es/news/emirates-nbd-9m-2026-results","language":"es","title":"El beneficio antes de impuestos de Emirates NBD sube un 4% a AED24.300 millones en nueve meses","event_period":"2026-10-21","event_period_basis":"event","published_at":"2026-10-22T05:34:35+03:00","relationship_basis":"entity"}]},"data":{"version":1,"blocks":[{"id":"nine-month-income-profit","type":"metrics","title":{"tr":"Emirates NBD: Ocak–Eylül gelir ve kârı","en":"Emirates NBD: January–September income and profit","ar":"الإمارات دبي الوطني: الإيرادات والأرباح من يناير إلى سبتمبر","fr":"Emirates NBD : revenus et bénéfices de janvier à septembre","es":"Emirates NBD: ingresos y beneficios de enero a septiembre"},"description":{"tr":"2026’nın ilk dokuz ayına ait konsolide parasal akımlar; milyar AED.","en":"Consolidated monetary flows for the first nine months of 2026, in billion AED.","ar":"تدفقات مالية موحدة للأشهر التسعة الأولى من 2026، بمليارات الدراهم.","fr":"Flux monétaires consolidés des neuf premiers mois de 2026, en milliards d’AED.","es":"Flujos monetarios consolidados de los nueve primeros meses de 2026, en miles de millones de AED."},"methodology":{"tr":"Bankanın açıkladığı yuvarlanmış Ocak–Eylül 2026 toplamları aynen aktarılır. Değer düşüklüğü öncesi faaliyet kârı, vergi öncesi kârdan ayrı ölçüdür; satırlar toplanmaz. Grup kapsamı BAE ile sınırlı değildir. Yıllıklandırma, kur dönüşümü, eksik karşılaştırma veya bağımsız denetim iddiası yoktur.","en":"Transcribed issuer-reported rounded January–September 2026 totals. Operating profit before impairment is distinct from profit before tax; rows must not be added. Group scope extends beyond the UAE. No annualisation, currency conversion, missing comparatives or claim of independent audit is introduced.","ar":"نُقلت مجاميع يناير–سبتمبر 2026 المقربة كما أعلنها البنك. الأرباح التشغيلية قبل انخفاض القيمة تختلف عن الأرباح قبل الضريبة؛ لا تُجمع الصفوف. يشمل نطاق المجموعة أنشطة خارج الإمارات. لا تحويل إلى أساس سنوي أو عملة أخرى، ولا تقدير لمقارنات مفقودة أو ادعاء تدقيق مستقل.","fr":"Totaux arrondis de janvier à septembre 2026, tels que publiés par la banque. Le résultat opérationnel avant dépréciations se distingue du bénéfice avant impôt ; ne pas additionner les lignes. Le groupe dépasse le seul périmètre émirien. Aucune annualisation, conversion monétaire, comparaison manquante ou affirmation d’audit indépendant.","es":"Se transcriben los totales redondeados de enero a septiembre de 2026 publicados por el banco. El beneficio operativo antes de deterioro es distinto del beneficio antes de impuestos; no se suman las filas. El grupo abarca actividades fuera de Emiratos. No se anualizan cifras, convierten monedas, estiman comparativos ausentes ni afirma auditoría independiente."},"sourceUrls":["https://www.emiratesnbd.com/en/media-center/emirates-nbd-q3-2026-results-announcement"],"updatedAt":"2026-10-22T18:32:41+00:00","items":[{"label":{"tr":"Gelir","en":"Income","ar":"الإيرادات","fr":"Revenus","es":"Ingresos"},"value":42.2,"unit":"billion AED","period":"2026-09","basis":"observed","measure":{"id":"emirates-nbd-consolidated-income","unitCode":"billion-aed","geography":"emirates-nbd-consolidated-group","frequency":"irregular","aggregation":"flow","periodRole":"reference-period"},"periodStart":"2026-01"},{"label":{"tr":"Vergi öncesi kâr","en":"Profit before tax","ar":"الأرباح قبل الضريبة","fr":"Bénéfice avant impôt","es":"Beneficio antes de impuestos"},"value":24.3,"unit":"billion AED","period":"2026-09","basis":"observed","measure":{"id":"emirates-nbd-consolidated-profit-before-tax","unitCode":"billion-aed","geography":"emirates-nbd-consolidated-group","frequency":"irregular","aggregation":"flow","periodRole":"reference-period"},"periodStart":"2026-01"},{"label":{"tr":"Değer düşüklüğü öncesi faaliyet kârı","en":"Operating profit before impairment","ar":"الأرباح التشغيلية قبل انخفاض القيمة","fr":"Résultat opérationnel avant dépréciations","es":"Beneficio operativo antes de deterioro"},"value":29,"unit":"billion AED","period":"2026-09","basis":"observed","measure":{"id":"emirates-nbd-consolidated-operating-profit-before-impairment","unitCode":"billion-aed","geography":"emirates-nbd-consolidated-group","frequency":"irregular","aggregation":"flow","periodRole":"reference-period"},"periodStart":"2026-01"}]},{"id":"september-balance-stocks","type":"metrics","title":{"tr":"Emirates NBD: dokuz aylık sonuçlardaki bilanço","en":"Emirates NBD: balance sheet in the nine-month results","ar":"الإمارات دبي الوطني: الميزانية ضمن نتائج تسعة أشهر","fr":"Emirates NBD : bilan des résultats à neuf mois","es":"Emirates NBD: balance de los resultados de nueve meses"},"description":{"tr":"Eylül 2026 raporlama dönemi için konsolide varlık, brüt kredi ve mevduat stokları.","en":"Consolidated assets, gross loans and deposit stocks for the September 2026 reporting period.","ar":"أرصدة الأصول والقروض الإجمالية والودائع الموحدة لفترة التقرير في سبتمبر 2026.","fr":"Encours consolidés des actifs, prêts bruts et dépôts pour la période de septembre 2026.","es":"Saldos consolidados de activos, préstamos brutos y depósitos del período de septiembre de 2026."},"methodology":{"tr":"Bankanın dokuz aylık konsolide sonuçlarındaki son bilanço değerleri aktarılır; kaynağın belirtmediği kesin gün türetilmez. 1,38 trilyon AED, tam ölçek dönüşümüyle 1.380 milyar AED olarak yazılır. Diğer tutarlar kaynak ölçeğindedir. Bunlar dönem akımı veya BAE toplamı değildir; gelir/kârla toplanmaz. Yıllık ve yılbaşından bu yana büyüme oranları bu blokta yer almaz.","en":"Latest consolidated balance-sheet figures in the issuer’s nine-month results; no exact snapshot day is inferred where unspecified. AED1.38 trillion is expressed as AED1,380 billion by an exact scale conversion. Other amounts retain the source scale. These are stocks, not period flows or UAE-wide totals, and must not be added to income/profit. Year-on-year and year-to-date growth rates are omitted from this block.","ar":"أحدث أرصدة الميزانية الموحدة في نتائج البنك لتسعة أشهر؛ لا يُفترض يوم محدد غير مذكور. حُوّل 1.38 تريليون درهم إلى 1,380 ملياراً بتحويل دقيق للمقياس، وبقيت القيم الأخرى بمقياس المصدر. هي أرصدة وليست تدفقات فترة أو مجاميع للإمارات؛ لا تُجمع مع الإيرادات والأرباح. لا يتضمن هذا الجزء نسب النمو السنوي أو منذ بداية العام.","fr":"Derniers encours consolidés des résultats à neuf mois ; aucun jour exact non précisé n’est supposé. Les 1,38 billion d’AED deviennent 1 380 milliards par conversion exacte d’échelle. Les autres montants conservent l’échelle source. Il s’agit de stocks, non de flux ni de totaux émiratis ; ne pas les ajouter aux revenus ou bénéfices. Les taux annuels et depuis janvier sont exclus de ce bloc.","es":"Últimos saldos consolidados de los resultados de nueve meses; no se infiere un día exacto no especificado. AED1,38 billones se expresan como AED1.380 mil millones mediante conversión exacta de escala. Los demás importes conservan la escala fuente. Son saldos, no flujos ni totales de Emiratos; no se suman a ingresos o beneficios. Este bloque omite tasas interanuales y desde enero."},"sourceUrls":["https://www.emiratesnbd.com/en/media-center/emirates-nbd-q3-2026-results-announcement"],"updatedAt":"2026-10-22T18:32:41+00:00","items":[{"label":{"tr":"Toplam varlıklar","en":"Total assets","ar":"إجمالي الأصول","fr":"Total des actifs","es":"Activos totales"},"value":1380,"unit":"billion AED","period":"2026-09","basis":"observed","measure":{"id":"emirates-nbd-consolidated-total-assets","unitCode":"billion-aed","geography":"emirates-nbd-consolidated-group","frequency":"irregular","aggregation":"stock","periodRole":"reference-period"}},{"label":{"tr":"Brüt krediler","en":"Gross loans","ar":"إجمالي القروض","fr":"Prêts bruts","es":"Préstamos brutos"},"value":833,"unit":"billion AED","period":"2026-09","basis":"observed","measure":{"id":"emirates-nbd-consolidated-gross-loans","unitCode":"billion-aed","geography":"emirates-nbd-consolidated-group","frequency":"irregular","aggregation":"stock","periodRole":"reference-period"}},{"label":{"tr":"Mevduat","en":"Deposits","ar":"الودائع","fr":"Dépôts","es":"Depósitos"},"value":935,"unit":"billion AED","period":"2026-09","basis":"observed","measure":{"id":"emirates-nbd-consolidated-deposits","unitCode":"billion-aed","geography":"emirates-nbd-consolidated-group","frequency":"irregular","aggregation":"stock","periodRole":"reference-period"}}]}]},"data_compilations":[{"id":"nine-month-income-profit","creator":{"@type":"Organization","@id":"https://haberpaper.com/#organization","name":"Haber Paper","url":"https://haberpaper.com/"},"license":{"@type":"CreativeWork","@id":"https://haberpaper.com/en/data-terms/v1#license","name":"Haber Paper Original Data Compilation License 1.0","url":"https://haberpaper.com/en/data-terms/v1"},"rights_scope":"Haber Paper original data arrangement, labels and methodology notes only; underlying source rights and permissions remain separate.","source_license_url":null},{"id":"september-balance-stocks","creator":{"@type":"Organization","@id":"https://haberpaper.com/#organization","name":"Haber Paper","url":"https://haberpaper.com/"},"license":{"@type":"CreativeWork","@id":"https://haberpaper.com/en/data-terms/v1#license","name":"Haber Paper Original Data Compilation License 1.0","url":"https://haberpaper.com/en/data-terms/v1"},"rights_scope":"Haber Paper original data arrangement, labels and methodology notes only; underlying source rights and permissions remain separate.","source_license_url":null}],"data_downloads":[{"id":"nine-month-income-profit","formats":{"json":"https://haberpaper.com/api/v1/articles/emirates-nbd-9m-2026-results/data/nine-month-income-profit?lang=es&format=json","csv":"https://haberpaper.com/api/v1/articles/emirates-nbd-9m-2026-results/data/nine-month-income-profit?lang=es&format=csv"}},{"id":"september-balance-stocks","formats":{"json":"https://haberpaper.com/api/v1/articles/emirates-nbd-9m-2026-results/data/september-balance-stocks?lang=es&format=json","csv":"https://haberpaper.com/api/v1/articles/emirates-nbd-9m-2026-results/data/september-balance-stocks?lang=es&format=csv"}}],"content":{"paragraphs":["Emirates NBD informó el 21 de octubre que sus ingresos de los primeros nueve meses de 2026 aumentaron un 15% interanual, hasta AED42.200 millones, y que el beneficio antes de impuestos creció un 4%, hasta AED24.300 millones. El beneficio avanzó pese al aumento de los costes por deterioro y los cargos contables por hiperinflación. El beneficio operativo antes de provisiones por deterioro subió un 14% a AED29.000 millones y el banco registró AED2.100 millones en provisiones por deterioro durante el periodo.","Los activos totales aumentaron un 18% en lo que va de año a AED1,38 billones, los préstamos brutos un 27% a AED833.000 millones y los depósitos un 19% a AED935.000 millones. El banco señaló que el crecimiento de préstamos incluye la adquisición de RBL Bank en junio; sin RBL, avanzaron un 18% en lo que va de año. La ratio de préstamos deteriorados mejoró al 2%. Son resultados consolidados de nueve meses y no miden por sí solos el crecimiento del conjunto del sistema bancario emiratí."],"key_points":[],"sections":[]},"text":"Los ingresos aumentaron un 15% a AED42.200 millones con el avance de préstamos y depósitos; provisiones e hiperinflación moderaron el beneficio.\n\nEmirates NBD informó el 21 de octubre que sus ingresos de los primeros nueve meses de 2026 aumentaron un 15% interanual, hasta AED42.200 millones, y que el beneficio antes de impuestos creció un 4%, hasta AED24.300 millones. El beneficio avanzó pese al aumento de los costes por deterioro y los cargos contables por hiperinflación. El beneficio operativo antes de provisiones por deterioro subió un 14% a AED29.000 millones y el banco registró AED2.100 millones en provisiones por deterioro durante el periodo.\n\nLos activos totales aumentaron un 18% en lo que va de año a AED1,38 billones, los préstamos brutos un 27% a AED833.000 millones y los depósitos un 19% a AED935.000 millones. El banco señaló que el crecimiento de préstamos incluye la adquisición de RBL Bank en junio; sin RBL, avanzaron un 18% en lo que va de año. La ratio de préstamos deteriorados mejoró al 2%. Son resultados consolidados de nueve meses y no miden por sí solos el crecimiento del conjunto del sistema bancario emiratí.\n\nSe precisó que el beneficio operativo de 29.000 millones de AED y su aumento del 14 % son antes de provisiones por deterioro.","corrections":[{"at":"2026-10-22T16:34:19+03:00","language":"es","text":"Se precisó que el beneficio operativo de 29.000 millones de AED y su aumento del 14 % son antes de provisiones por deterioro."}],"editorial_illustration":{"kind":"symbolic-editorial-illustration","documentary":false,"scope":"article","asset_id":"banking-credit","url":"https://haberpaper.com/assets/illustrations/banking-credit-1536.webp","width":1536,"height":1024,"alt":"Representación simbólica de banca y crédito con edificios de columnas, puente, libro en blanco y monedas sin inscripciones.","language":"es"},"section_illustration":{"kind":"symbolic-editorial-illustration","documentary":false,"scope":"section","asset_id":"finance","url":"https://haberpaper.com/assets/illustrations/finance-1536.webp","width":1536,"height":1024,"alt":"Representación simbólica del sistema financiero con una puerta de caja fuerte, columnas y monedas sin inscripciones.","language":"es"}}}