ADX:NBF Income Statement

Financials in millions AED. Fiscal year is January - December.

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	3,432	3,426	3,327	2,934	1,697	1,212
Interest Paid on Deposits	1,498	1,537	1,539	1,229	475.9	271.18
Net Interest Income	1,933	1,889	1,788	1,705	1,221	941.14
Net Interest Income Growth (YoY)	7.78%	5.68%	4.85%	39.61%	29.75%	-0.82%
Gain (Loss) on Sale of Investments	9.08	9.08	5.84	-4.16	18.77	42.29
Other Non-Interest Income	745.32	763.97	641.86	582.26	574.65	458.5
Total Non-Interest Income	754.4	773.05	647.69	578.11	593.41	500.79
Non-Interest Income Growth (YoY)	7.30%	19.35%	12.04%	-2.58%	18.50%	14.68%
Revenues Before Loan Losses	2,688	2,662	2,435	2,283	1,815	1,442
Provision for Loan Losses	506.44	552.21	690.04	859	896.04	840.4
Revenue	2,181	2,110	1,745	1,424	918.55	601.53
Revenue Growth (YoY)	20.84%	20.90%	22.56%	55.02%	52.70%	3723.85%
Salaries and Employee Benefits	459.91	453.14	449.28	404.03	330.76	287.15
Occupancy Expenses	75.05	68.15	54.55	34.13	33.62	28.6
Other Non-Interest Expense	282.25	263.6	306.54	260.73	213.79	170.54
Total Non-Interest Expense	817.2	784.9	810.36	698.89	578.17	486.28
EBT Excluding Unusual Items	1,364	1,325	934.83	725.07	340.38	115.25
Pretax Income	1,364	1,325	934.83	725.07	340.38	115.25
Income Tax Expense	123.32	119.84	84.72	-	-	-
Net Income	1,241	1,205	850.11	725.07	340.38	115.25
Preferred Dividends & Other Adjustments	-	-	95.5	75.5	75.5	75.5
Net Income to Common	1,241	1,205	754.61	649.57	264.88	39.75
Net Income Growth	36.96%	41.77%	17.24%	113.02%	195.35%	-
Basic Shares Outstanding	2,579	2,580	2,580	2,580	2,226	2,226
Diluted Shares Outstanding	2,579	2,580	2,580	2,580	2,226	2,226
Shares Change (YoY)	-0.02%	-	-	15.92%	-	-
EPS (Basic)	0.48	0.47	0.29	0.25	0.12	0.02
EPS (Diluted)	0.48	0.47	0.29	0.25	0.12	0.02
EPS Growth	53.13%	59.71%	16.17%	111.55%	566.45%	-
Dividend Per Share	0.200	0.200	0.150	0.095	-	-
Dividend Growth	33.33%	33.33%	57.56%	-	-	-
Effective Tax Rate	9.04%	9.04%	9.06%	-	-	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.