National Bank of Fujairah PJSC (ADX:NBF)
 4.540
 +0.590 (14.94%)
  At close: Oct 30, 2025
ADX:NBF Income Statement
Financials in millions AED. Fiscal year is January - December.
 Millions AED. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 | 
|---|---|---|---|---|---|---|---|
| Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 | 
| Interest Income on Loans | 3,425 | 3,327 | 2,934 | 1,697 | 1,212 | 1,463 | Upgrade  | 
| Interest Paid on Deposits | 1,554 | 1,539 | 1,229 | 475.9 | 271.18 | 513.84 | Upgrade  | 
| Net Interest Income | 1,872 | 1,788 | 1,705 | 1,221 | 941.14 | 948.89 | Upgrade  | 
| Net Interest Income Growth (YoY) | 5.44% | 4.85% | 39.61% | 29.75% | -0.82% | -17.66% | Upgrade  | 
| Gain (Loss) on Sale of Investments | 5.84 | 5.84 | -4.16 | 18.77 | 42.29 | - | Upgrade  | 
| Other Non-Interest Income | 751.29 | 641.86 | 582.26 | 574.65 | 458.5 | 436.67 | Upgrade  | 
| Total Non-Interest Income | 757.12 | 647.69 | 578.11 | 593.41 | 500.79 | 436.67 | Upgrade  | 
| Non-Interest Income Growth (YoY) | 16.49% | 12.04% | -2.58% | 18.50% | 14.68% | -21.42% | Upgrade  | 
| Revenues Before Loan Losses | 2,629 | 2,435 | 2,283 | 1,815 | 1,442 | 1,386 | Upgrade  | 
| Provision for Loan Losses | 547.91 | 690.04 | 859 | 896.04 | 840.4 | 1,370 | Upgrade  | 
| 2,081 | 1,745 | 1,424 | 918.55 | 601.53 | 15.73 | Upgrade  | |
| Revenue Growth (YoY) | 24.01% | 22.56% | 55.02% | 52.70% | 3723.85% | -98.59% | Upgrade  | 
| Salaries and Employee Benefits | 445.85 | 449.28 | 404.03 | 330.76 | 287.15 | 294.82 | Upgrade  | 
| Occupancy Expenses | 62.7 | 54.55 | 34.13 | 33.62 | 28.6 | 31.46 | Upgrade  | 
| Other Non-Interest Expense | 313.33 | 306.54 | 260.73 | 213.79 | 170.54 | 164.7 | Upgrade  | 
| Total Non-Interest Expense | 821.88 | 810.36 | 698.89 | 578.17 | 486.28 | 490.98 | Upgrade  | 
| EBT Excluding Unusual Items | 1,259 | 934.83 | 725.07 | 340.38 | 115.25 | -475.25 | Upgrade  | 
| Pretax Income | 1,259 | 934.83 | 725.07 | 340.38 | 115.25 | -475.25 | Upgrade  | 
| Income Tax Expense | 114.1 | 84.72 | - | - | - | - | Upgrade  | 
| Net Income | 1,145 | 850.11 | 725.07 | 340.38 | 115.25 | -475.25 | Upgrade  | 
| Preferred Dividends & Other Adjustments | 95.5 | 95.5 | 75.5 | 75.5 | 75.5 | 76.6 | Upgrade  | 
| Net Income to Common | 1,050 | 754.61 | 649.57 | 264.88 | 39.75 | -551.85 | Upgrade  | 
| Net Income Growth | 32.79% | 17.24% | 113.02% | 195.35% | - | - | Upgrade  | 
| Basic Shares Outstanding | 2,451 | 2,580 | 2,580 | 2,226 | 2,226 | 2,226 | Upgrade  | 
| Diluted Shares Outstanding | 2,451 | 2,580 | 2,580 | 2,226 | 2,226 | 2,226 | Upgrade  | 
| Shares Change (YoY) | -17.71% | - | 15.92% | - | - | -0.00% | Upgrade  | 
| EPS (Basic) | 0.43 | 0.29 | 0.25 | 0.12 | 0.02 | -0.25 | Upgrade  | 
| EPS (Diluted) | 0.43 | 0.29 | 0.25 | 0.12 | 0.02 | -0.25 | Upgrade  | 
| EPS Growth | 54.66% | 16.17% | 111.55% | 566.45% | - | - | Upgrade  | 
| Dividend Per Share | 0.150 | 0.150 | 0.095 | - | - | - | Upgrade  | 
| Dividend Growth | 57.56% | 57.56% | - | - | - | - | Upgrade  | 
| Effective Tax Rate | 9.06% | 9.06% | - | - | - | - | Upgrade  | 
Source: S&P Global Market Intelligence. Banks template. Financial Sources.