News DeskABU DHABI: Wio Bank PJSC (“Wio”) delivered a strong set of financial results for 2025, marking another milestone in its growth story as more individuals, families and businesses across the UAE turned to the digital bank as their main financial partner.
In its third full year of operations, Wio reported AED 1.24 billion in revenue, up 55 per cent year-on-year, while net profit rose 57 per cent to AED 622 million. The results underline the bank’s rapid rise in the UAE’s banking sector and reflect growing confidence in its digital-first model.
The bank’s total assets climbed to AED 61 billion by the end of December 2025, a 64 per cent increase compared with the previous year. Customer deposits also saw a sharp jump, crossing AED 57 billion, up 66 per cent year-on-year.
Wio said the momentum was driven by stronger customer adoption and broader use of its digital banking services. The bank also recorded some of the highest customer satisfaction scores in the country, with a Net Promoter Score of 75 for Wio Business and 76 for Wio Personal, reinforcing its position as one of the UAE’s most trusted banking brands.
Backed by major shareholders including ADQ, Alpha Dhabi, e& and First Abu Dhabi Bank, Wio continued to strengthen its balance sheet while expanding its lending activity. Growth was led by rising demand for supply chain finance, term loans and SME-focused credit products, signalling the bank’s move beyond digital basics into a more comprehensive financial platform.
Commenting on the results, Mansour AlMulla, Chairman of Wio Bank, said the performance reflects the bank’s wider mission to support the UAE’s digital economy.
He said the growing number of customers choosing Wio as their primary bank shows the level of trust the institution has built in a relatively short period, adding that its financial strength places it in a strong position to continue investing in products and services tailored to evolving customer needs.
Stronger reach among businesses and families
Wio’s business banking arm remained a major driver of growth in 2025. The bank said it now serves more than 120,000 businesses across the UAE, supported by a suite of tools designed to help companies manage money more efficiently and scale faster.
Among the key offerings were supply chain finance, point-of-sale lending, SME credit cards, as well as integrations with accounting and tax platforms. Its fully digital supply chain finance platform alone delivered more than AED 1 billion in financing during the year, helping improve access to working capital for businesses.
On the retail side, Wio Personal also continued to gain traction, with more than 270,000 individuals using the bank as their primary account provider.
Families emerged as another key focus area. In the final quarter of 2025, Wio launched Wio Family, an integrated banking platform aimed at helping households manage expenses, plan together and build wealth in one place. The service is designed to offer greater visibility over shared finances while encouraging better money habits and financial literacy across the family, including children and extended relatives.
According to the bank, more than 10,000 families adopted Wio Family within just three months of its launch.
Wio also said its payroll offering continued to resonate with customers, with nearly one in four users transferring their salaries to the platform, reflecting growing engagement with the bank’s broader value proposition.
At the operational level, the bank said it continued investing in its technology and governance systems, allowing it to improve customer service, resolve requests faster and scale securely.
CEO says performance reflects trust and long-term focus
Jayesh Patel, CEO of Wio Bank, said the 2025 results demonstrate the bank’s commitment to helping customers build stronger financial futures across both personal and business banking.
He said Wio has, in just three years, established itself as one of the region’s most profitable and trusted digital banks, with both financial performance and customer satisfaction supporting that claim.
Patel added that as more customers make Wio their main bank, its digital-first structure allows the institution to respond quickly to short-term needs while keeping its focus firmly on long-term customer success.
Wio sets sights on 2026 growth plans
Looking ahead, Wio says it plans to build on its 2025 momentum with a number of new initiatives aimed at deepening customer engagement and supporting long-term growth.
One of the most notable developments in the pipeline is an Islamic banking proposition, currently being developed and subject to regulatory approval. The bank said the offering is intended to provide both individuals and businesses with a seamless digital banking experience that aligns with their values and meets Shariah compliance standards.
Wio also plans to deepen its sector-based offerings for businesses, with greater focus on industries such as healthcare, education, food and beverage, trade and digital businesses. The idea is to create more tailored capabilities that support smoother transactions, smarter use of data and better business decision-making.
For families, the bank intends to expand Wio Family further in 2026 by adding features linked to longer-term financial planning, including wealth-related tools aimed at helping households prepare for milestones such as education, housing and retirement.
Artificial intelligence is also expected to play a larger role in the bank’s next phase. Wio said it is working on more AI-driven banking experiences to deliver personalized tools, insights and services based on each customer’s financial situation, while maintaining strict standards around governance, privacy and security.
Prakash Sunkara, Chief Financial Officer at Wio Bank, said the bank’s latest results reflect both the strength of its business model and the discipline behind its expansion.
He said reaching these milestones within just three years, while also growing a solid balance sheet, shows that Wio is scaling responsibly as it becomes an increasingly mainstream banking player in the UAE.
With strong earnings, rising customer trust and an ambitious roadmap for the year ahead, 2025 stands out as a defining chapter for Wio Bank. The lender says it remains focused on expanding its platform, strengthening partnerships and helping customers across the UAE achieve long-term financial success.
