With a strong asset base of AED 61 billion as of 31 December 2025, up 64% year-on-year, and customer deposits surpassing AED 57 billion, up 66%, Wio’s growth reflects the robustness, deepening trust of its customers and the strength of its backing from strategic shareholders ADQ, Alpha Dhabi, e& and First Abu Dhabi Bank (FAB). Lending activity grew significantly, supported by strong uptake of supply chain finance, term loans and an expanded SME credit suite, highlighting Wio’s evolution into a full-service digital financial platform.
Serving businesses and families across the UAE
With a strong focus on business customers, Wio Bank in 2025 became one of the leading banks serving one of the largest and most diverse bases of businesses across the UAE. The bank continued to build new capabilities to help businesses optimize their finances and scale more effectively, including credit solutions such as supply chain finance, point-of-sale lending and SME credit cards, alongside deep integrations with accounting and taxation platforms. In 2025, Wio’s fully digital supply chain finance platform alone delivered over AED 1 billion in financing, reinforcing its role in improving access to capital. This focus on seamless money management, credit and growth tools resulted in more than 120,000 businesses trusting Wio as their main business banking partner.
Wio Personal also saw strong growth, with more than 270,000 individuals choosing Wio as their primary bank, while families were another key area of focus in 2025. In the fourth quarter, Wio launched Wio Family, a fully integrated banking proposition designed to help households manage spending, plan together and grow their money in one place. The platform enables greater transparency, better financial decision‑making and more inclusive money management across families, including children and extended family members, while supporting stronger financial education. Within the first three months of launch, more than 10,000 families adopted Wio Family as their primary platform for managing and growing their finances. On the individual side, Wio’s payroll proposition reinforced its value‑sharing model, resulting in nearly 25% of customers shifting their salaries to Wio’s platform.
Wio continued to invest in its operating platform, improving customer service through faster request resolution while enhancing governance capabilities to scale securely and strengthen resilience.
Jayesh Patel, CEO of Wio Bank, said: “Our achievements in 2025 reflect our commitment to serving customers across business and personal banking, providing insights and empowering them to achieve stronger financial futures. In just three years, we have built one of the most profitable and trusted digital banks in the region, and our financial results and NPS scores reflect this. As more customers make Wio their primary bank, our digital-first platform gives us the agility to support them through short-term challenges while staying focused on their long-term success. Our exceptional balance sheet provides resilience and enables us to continue to invest in products and services to support our customers. We thank our customers for choosing us and remain committed to supporting their long-term growth.”
Looking ahead to 2026
Wio remains focused on the opportunities that 2026 presents. With a changing environment, the bank is advancing a series of innovative offerings designed to strengthen resilience, support customer ambition and drive sustainable growth.
Islamic banking proposition
In 2026, Wio is developing an Islamic banking proposition, subject to regulatory approval. We are building a digital, seamless platform that will enable individual and business customers to manage and grow their money in line with their values. As part of this journey, Wio has been engaging with customers across segments to ensure the proposition addresses their needs and supports long‑term ambitions, while maintaining the highest standards of Shariah compliance.
Deepening sector‑led business capabilities
The bank will continue to support businesses by expanding capabilities that enable more seamless, end‑to‑end transactions and engagement. This includes deepening its focus on specific sectors such as healthcare, education, food and beverage, trade and digital businesses. These enhanced capabilities will allow businesses to integrate more easily with platforms, use data more effectively and support stronger decision‑making and growth.
Expanding Wio Family for long‑term goals
In 2026, Wio will continue to grow Wio Family by introducing capabilities that support longer‑term financial goals. This will include wealth propositions that extend Wio Family’s vision into longer-term financial planning. Wio’s focus remains on improving transparency, strengthening financial understanding across the household and supporting goals such as education, housing and retirement.
Advancing AI‑driven banking experiences
Wio is focused on scaling its AI capabilities to better serve customers through more personalized tools and experiences. While many financial needs are shared, individual circumstances vary significantly. AI will enable tailoring products, guidance and experiences more closely to each customer’s situation, underpinned by a firm commitment to strong governance, customer privacy and the highest standards of security.
Prakash Sunkara, Chief Financial Officer at Wio Bank, added: ‘Our performance and investment in our portfolio reflect the strength of our business model and discipline behind how we’ve built it. Reaching such milestones in three years, alongside our solid balance sheet growth, demonstrates a responsible approach to scaling a digital financial institution that is increasingly becoming a mainstream bank.’
FY2025 was a defining year for Wio, strengthening its customer impact, enhancing its risk and compliance capabilities and investing in its platform for the future. Wio is grateful to its customers, partners and shareholders for their trust and support, and remains focused on expanding the capabilities, products and partnerships that will help customers and businesses across the UAE achieve long-term success.
