Wio Bank Strengthens Financial Performance with AED1.24 Billion Revenue in FY2025
Wio Bank PJSC (Wio) has announced a robust financial performance for the fiscal year 2025, showcasing significant growth in customer adoption and the expansion of its digital banking services across the United Arab Emirates.
Revenue and Profit Growth
In its third year of operations, Wio reported a revenue of AED1.24 billion, marking a 55% increase year-on-year. The bank’s net profit reached AED622 million, reflecting a 57% rise. This growth indicates a rising preference among businesses, individuals, and families in the UAE, as evidenced by a Net Promoter Score (NPS) of 75 for Wio Business and 76 for Wio Personal, the highest in the UAE banking sector. This performance underscores Wio’s commitment to enhancing its capabilities to support customers and contribute to the broader economy.
Asset Base and Customer Deposits
As of December 31, 2025, Wio’s asset base stood at AED61 billion, a 64% increase from the previous year. Customer deposits exceeded AED57 billion, up 66%. This growth reflects the bank’s strong foundation and the deepening trust of its clientele, bolstered by strategic backing from major shareholders including ADQ, Alpha Dhabi, e&, and First Abu Dhabi Bank (FAB). The bank’s lending activities have also seen substantial growth, driven by increased demand for supply chain finance, term loans, and an expanded suite of credit options for small and medium-sized enterprises (SMEs).
Commitment to Digital Banking
Mansour AlMulla, Chairman of the Board, emphasized that these results reinforce Wio’s dedication to empowering the UAE’s digital economy. He noted that the bank’s growth is a testament to the trust it has cultivated, with an increasing number of customers choosing Wio as their primary banking partner. AlMulla stated that the bank’s strong balance sheet positions it well to continue serving its customers and investing in future financial solutions.
Focus on Business Customers
In 2025, Wio Bank solidified its position as a leading financial institution catering to a diverse array of businesses across the UAE. The bank has been enhancing its capabilities to help businesses optimize their financial management and scale effectively. This includes offering credit solutions such as supply chain finance, point-of-sale lending, and SME credit cards, along with deep integrations with accounting and taxation platforms.
Wio’s fully digital supply chain finance platform alone facilitated over AED1 billion in financing in 2025, highlighting its role in improving access to capital. The bank’s focus on seamless financial management and growth tools has led to over 120,000 businesses selecting Wio as their primary banking partner.
Growth in Personal Banking
Wio Personal also experienced significant growth, with more than 270,000 individuals choosing the bank as their primary financial institution. Families were another key focus area in 2025. In the fourth quarter, Wio launched Wio Family, a fully integrated banking solution aimed at helping households manage their finances collaboratively. This platform promotes transparency and better financial decision-making, allowing families, including children and extended members, to engage in inclusive money management.
Within three months of its launch, over 10,000 families adopted Wio Family as their main platform for financial management. Additionally, Wio’s payroll proposition encouraged nearly 25% of customers to shift their salaries to the bank’s platform.
Investment in Operational Excellence
Wio has continued to invest in its operational infrastructure, enhancing customer service through quicker request resolutions and strengthening governance capabilities to ensure secure scaling and resilience.
Future Prospects for 2026
Looking ahead, Wio is poised to capitalize on the opportunities presented in 2026. The bank is advancing a series of innovative offerings aimed at bolstering resilience, supporting customer ambitions, and driving sustainable growth.
Wio is in the process of developing an Islamic banking proposition, pending regulatory approval. This initiative aims to create a digital platform that aligns with the values of individual and business customers, ensuring that their financial needs are met while adhering to the highest standards of Shariah compliance.
The bank plans to enhance its support for businesses by expanding capabilities that facilitate seamless transactions and engagement. This includes a focus on specific sectors such as healthcare, education, food and beverage, trade, and digital businesses. These improvements will enable businesses to integrate more effectively with various platforms and utilize data for better decision-making and growth.
Wio will also continue to develop Wio Family by introducing features that support long-term financial goals, including wealth management solutions that align with the platform’s vision for comprehensive financial planning. The bank’s emphasis remains on improving transparency and financial understanding within households, addressing goals such as education, housing, and retirement.
Leveraging AI for Customer Service
Wio is committed to enhancing its artificial intelligence capabilities to provide more personalized tools and experiences for customers. Recognizing that financial needs can vary widely, the bank aims to tailor its products and services to meet individual circumstances while maintaining a strong commitment to governance, customer privacy, and security.
As reported by www.emirates247.com.
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Published on 2026-03-18 00:06:00 • By Editorial Desk
