National Bank of Fujairah PJSC (ADX:NBF)

ADX:NBF Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	6,681	4,230	2,533	4,275	5,521	3,409
Investment Securities	19,645	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	19,645	17,993	16,199	11,041	6,684	6,603
Gross Loans	36,306	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	36,306	32,392	27,904	26,915	25,620	24,844
Property, Plant & Equipment	380.79	378.39	372.86	331.66	316.3	368.38
Other Intangible Assets	231.41	199.42	144.71	114.47	76.77	-
Accrued Interest Receivable	-	317.84	319.6	238.94	136.9	177.77
Other Receivables	2,456	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	1,611	1,316	1,092	1,201	1,667	1,658
Other Long-Term Assets	676.09	118.11	64.05	221.88	433.77	449.39
Total Assets	67,987	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	49,128	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	49,128	45,757	38,572	35,736	32,199	29,766
Short-Term Borrowings	4,144	3,607	2,584	2,597	1,753	2,026
Current Portion of Long-Term Debt	2,950	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	1,622	1,307	1,076	1,185	1,659	1,644
Long-Term Debt	899.89	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	1,761	579.49	512.42	471.07	394.41	442.42
Total Liabilities	60,504	54,023	45,153	41,774	37,270	34,200
Common Stock	2,580	2,580	2,120	2,000	2,000	1,915
Retained Earnings	4,801	4,242	3,042	2,329	2,156	2,096
Comprehensive Income & Other	101.46	33.13	1,405	1,522	1,519	1,662
Shareholders' Equity	7,482	6,856	6,567	5,850	5,676	5,672
Total Liabilities & Equity	67,987	60,879	51,720	47,624	42,946	39,872
Total Debt	7,993	5,459	4,272	3,991	2,808	2,099
Net Cash (Debt)	-1,312	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	-0.54	2.84	2.46	2.23	2.26	1.22
Filing Date Shares Outstanding	2,581	2,580	2,226	2,226	2,226	2,226
Total Common Shares Outstanding	2,581	2,580	2,226	2,226	2,226	2,226
Book Value Per Share	2.90	2.66	2.95	2.63	2.55	2.55
Tangible Book Value	7,251	6,656	6,422	5,736	5,599	5,672
Tangible Book Value Per Share	2.81	2.58	2.88	2.58	2.52	2.55

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