Dubai, UAE — February 2026 — The Central Bank of the UAE recorded a substantial 64.93 percent increase in its gold reserves throughout 2025, with holdings reaching AED37.902 billion ($10.3 billion) by December’s end, according to the institution’s monthly statistical bulletin.
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This marks a significant rise from the AED22.981 billion reported in December 2024. The bulletin further revealed that gold reserves experienced a 1.64 percent month-on-month growth in December 2025, climbing from AED37.291 billion recorded at the close of November.
Beyond precious metal holdings, the central bank’s data showed robust expansion across various deposit categories. Demand deposits surpassed AED1.264 trillion in December 2025, a notable increase from approximately AED1.109 trillion in the same period the previous year.
Savings deposits demonstrated considerable growth as well, reaching AED400.51 billion at the end of December 2025 compared to AED317.488 billion in December 2024.
Time deposits exhibited particularly strong performance, exceeding AED1.165 trillion in December 2025, up significantly from AED945.78 billion recorded twelve months earlier.
The Central Bank’s Gross International Reserves rose to AED1.072 trillion by December 2025, up from AED874.7 billion a year earlier, representing a 22.7 percent annual increase.
Total assets of the Central Bank reached AED1.093 trillion in December 2025, compared to AED895.8 billion in December 2024.
Broad money supply expanded across all measures. M1, comprising currency in circulation and monetary deposits, increased to AED1.071 trillion in December 2025 from AED946.3 billion in December 2024. M2 rose to AED2.754 trillion, while M3 reached AED3.255 trillion over the same period.
The UAE’s banking sector total assets grew to AED5.339 trillion in December 2025, up from AED4.559 trillion at end-2024. Total bank deposits climbed to AED3.306 trillion, with resident deposits accounting for AED3.009 trillion and non-resident deposits reaching AED297.8 billion.
Bank credit to the domestic private sector expanded to AED1.513 trillion in December 2025, compared to AED1.357 trillion a year earlier. Credit to non-residents saw sharper growth, rising 59.5 percent year-on-year to AED521.2 billion.
The UAE domestic fund transfer system processed a record AED24.368 trillion in transactions during December 2025, up from AED19.898 trillion in December 2024. Total transfers numbered 115.7 million, an increase from 110.5 million in the same month last year.
