National Bank of Fujairah PJSC (ADX:NBF)

ADX:NBF Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	4,230	2,533	4,275	5,521	3,409
Investment Securities	17,902	16,058	10,857	6,500	6,293
Trading Asset Securities	90.57	141.25	184.65	184.18	309.07
Total Investments	17,993	16,199	11,041	6,684	6,603
Gross Loans	34,502	29,637	28,937	27,795	27,058
Allowance for Loan Losses	-2,110	-1,733	-2,022	-2,175	-2,214
Net Loans	32,392	27,904	26,915	25,620	24,844
Property, Plant & Equipment	378.39	372.86	331.66	316.3	368.38
Other Intangible Assets	199.42	144.71	114.47	76.77	-
Accrued Interest Receivable	317.84	319.6	238.94	136.9	177.77
Other Receivables	1,159	974.13	778.86	643.5	759.95
Restricted Cash	2,776	2,117	2,506	1,845	1,603
Other Current Assets	1,316	1,092	1,201	1,667	1,658
Other Long-Term Assets	118.11	64.05	221.88	433.77	449.39
Total Assets	60,879	51,720	47,624	42,946	39,872
Accrued Expenses	358.92	236.09	132.49	74.81	56.33
Interest Bearing Deposits	26,556	23,382	20,205	17,637	19,113
Non-Interest Bearing Deposits	19,201	15,190	15,531	14,562	10,653
Total Deposits	45,757	38,572	35,736	32,199	29,766
Short-Term Borrowings	3,607	2,584	2,597	1,753	2,026
Current Portion of Long-Term Debt	1,044	-	-	73.46	-
Current Income Taxes Payable	84.54	-	-	-	1.39
Accrued Interest Payable	393.71	409.06	190.93	77.5	135.31
Other Current Liabilities	1,307	1,076	1,185	1,659	1,644
Long-Term Debt	808.06	1,688	1,394	981.42	73.46
Pension & Post-Retirement Benefits	81.62	75.24	67.3	57.78	55.47
Long-Term Deferred Tax Liabilities	2.82	-	-	-	-
Other Long-Term Liabilities	579.49	512.42	471.07	394.41	442.42
Total Liabilities	54,023	45,153	41,774	37,270	34,200
Common Stock	2,580	2,120	2,000	2,000	1,915
Retained Earnings	4,242	3,042	2,329	2,156	2,096
Comprehensive Income & Other	33.13	1,405	1,522	1,519	1,662
Shareholders' Equity	6,856	6,567	5,850	5,676	5,672
Total Liabilities & Equity	60,879	51,720	47,624	42,946	39,872
Total Debt	5,459	4,272	3,991	2,808	2,099
Net Cash (Debt)	7,318	6,337	4,975	5,023	2,725
Net Cash Growth	15.49%	27.38%	-0.97%	84.33%	-37.35%
Net Cash Per Share	2.84	2.46	2.23	2.26	1.22
Filing Date Shares Outstanding	2,580	2,226	2,226	2,226	2,226
Total Common Shares Outstanding	2,580	2,226	2,226	2,226	2,226
Book Value Per Share	2.66	2.95	2.63	2.55	2.55
Tangible Book Value	6,656	6,422	5,736	5,599	5,672
Tangible Book Value Per Share	2.58	2.88	2.58	2.52	2.55

Source: S&P Capital IQ. Banks template. Financial Sources.